Peoples National Bank of Mora

Peoples National Bank of Mora is headquartered in Mora and is the 113^st largest bank in the state of Minnesota. It is also the 3,776^th largest bank in the nation. It was established in 1963 and as of March of 2012, it had grown to 46 employees at 6 locations. Peoples National Bank of Mora has a 3-star health rating.

Peoples National Bank of Mora Routing Number: 091914202

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Data for Q1 2012

Institution Statistics Peoples National Bank of Mora FDIC Certificate # 18885 BankRate Report View Year Established 1963 Employees 46 Primary Regulator OCC Assets and Liabilities Assets $155.94 million Loans $79.52 million Deposits $135.06 million Equity Capital $20.50 million Loan Loss Allowance $2.03 million Unbacked Noncurrent Loans $3.93 million Real Estate Owned $6.08 million Historic Data - March 2011 Assets $160.70 million Equity Capital $19.55 million Loan Loss Allowance $2.73 million Unbacked Noncurrent Loans $8.20 million Real Estate Owned $3.96 million Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 0.59% Return on Equity 4.51% Interest Income $1.76 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Peoples National Bank of Mora had $10.01 million in non-current loans and owned real-estate with $22.53 million in equity and loan loss allowances on hand to cover it. This gives Peoples National Bank of Mora a Texas Ratio of 44.44% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Peoples National Bank of Mora decreased slightly from 54.59% as of March 31, 2011 to 44.44% as of March 31, 2012, resulting in a positive change of 18.60%.This indicates that the balance sheet and financial strength for Peoples National Bank of Mora has improved slightly in recent periods. Deposit Growth In the past year, Peoples National Bank of Mora has decreased its total deposits by -$3.46 million, resulting in -2.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Peoples National Bank of Mora has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Peoples National Bank of Mora has $155.94 million in assets with $22.53 million in equity, resulting in a capitalization level of 14.45%, which is excellent.

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