Peoples Savings Bank (34973)

Peoples Savings Bank (34973) is headquartered in Indianola and is the 112^st largest bank in the state of Iowa. It is also the 3,617^st largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 34 employees at 4 locations. Peoples Savings Bank (34973) has a 4-star health rating.

Peoples Savings Bank (34973) CD Rates

Data for Q1 2012

Institution Statistics Peoples Savings Bank FDIC Certificate # 34973 BankRate Report View Year Established 1998 Employees 34 Primary Regulator FDIC Assets and Liabilities Assets $164.96 million Loans $65.23 million Deposits $143.72 million Equity Capital $13.07 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $1.82 million Real Estate Owned $1.12 million Historic Data - March 2011 Assets $152.88 million Equity Capital $11.55 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $2.06 million Real Estate Owned $1.30 million Profit Margin - Quarterly Net Interest Margin 2.99% Return on Assets 0.81% Return on Equity 9.7% Interest Income $1.35 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 Savings Bank (34973) had $2.94 million in non-current loans and owned real-estate with $14.25 million in equity and loan loss allowances on hand to cover it. This gives Peoples Savings Bank (34973) a Texas Ratio of 20.62% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Peoples Savings Bank (34973) decreased slightly from 26.65% as of March 31, 2011 to 20.62% as of March 31, 2012, resulting in a positive change of 22.64%.This indicates that the balance sheet and financial strength for Peoples Savings Bank (34973) has improved slightly in recent periods. Deposit Growth In the past year, Peoples Savings Bank (34973) has increased its total deposits by $10.52 million, resulting in 7.9% 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 Savings Bank (34973) 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 Savings Bank (34973) has $164.96 million in assets with $14.25 million in equity, resulting in a capitalization level of 8.64%, which is average.

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