Peoples National Bank (PA)

Peoples National Bank (PA) is headquartered in Hallstead and is the 56^th largest bank in the state of Pennsylvania. It is also the 1,050^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 137 employees at 12 locations. Peoples National Bank (PA)'s savings rates are 56% higher than the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Peoples Neighborhood Bank FDIC Certificate # 7514 BankRate Report View Year Established 1905 Employees 137 Primary Regulator FDIC Assets and Liabilities Assets $631.54 million Loans $456.36 million Deposits $502.18 million Equity Capital $52.63 million Loan Loss Allowance $5.59 million Unbacked Noncurrent Loans $6.50 million Real Estate Owned $1.69 million Historic Data - March 2011 Assets $569.11 million Equity Capital $43.30 million Loan Loss Allowance $4.36 million Unbacked Noncurrent Loans $7.29 million Real Estate Owned $3.25 million Profit Margin - Quarterly Net Interest Margin 3.92% Return on Assets 1.54% Return on Equity 18.62% Interest Income $7.06 million

Institution Health Overall Score: 4 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 (PA) had $8.2 million in non-current loans and owned real-estate with $58.21 million in equity and loan loss allowances on hand to cover it. This gives Peoples National Bank (PA) a Texas Ratio of 14.08% which is above 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 (PA) decreased slightly from 22.12% as of March 31, 2011 to 14.08% as of March 31, 2012, resulting in a positive change of 36.35%.This indicates that the balance sheet and financial strength for Peoples National Bank (PA) has improved slightly in recent periods. Deposit Growth In the past year, Peoples National Bank (PA) has increased its total deposits by $48.02 million, resulting in 10.57% 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 (PA) has shown is excellent. 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 (PA) has $631.54 million in assets with $58.21 million in equity, resulting in a capitalization level of 9.22%, which is average.

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