Peoples Savings Bank of Rhineland

Peoples Savings Bank of Rhineland is headquartered in Rhineland and is the 129^th largest bank in the state of Missouri. It is also the 3,567^th largest bank in the nation. It was established in 1935 and as of March of 2012, it had grown to 60 employees at 6 locations. Peoples Savings Bank of Rhineland has a 4-star health rating.

Data for Q1 2012

Institution Statistics Peoples Savings Bank of Rhineland FDIC Certificate # 15264 BankRate Report View Year Established 1935 Employees 60 Primary Regulator FDIC Assets and Liabilities Assets $167.94 million Loans $123.24 million Deposits $151.07 million Equity Capital $16.30 million Loan Loss Allowance $1.61 million Unbacked Noncurrent Loans $2.20 million Historic Data - March 2011 Assets $160.89 million Equity Capital $15.00 million Loan Loss Allowance $1.79 million Unbacked Noncurrent Loans $2.45 million Real Estate Owned $640,000 Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 1.08% Return on Equity 11.21% Interest Income $1.90 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 of Rhineland had $2.2 million in non-current loans and owned real-estate with $17.91 million in equity and loan loss allowances on hand to cover it. This gives Peoples Savings Bank of Rhineland a Texas Ratio of 12.30% 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 Savings Bank of Rhineland decreased slightly from 18.41% as of March 31, 2011 to 12.30% as of March 31, 2012, resulting in a positive change of 33.21%.This indicates that the balance sheet and financial strength for Peoples Savings Bank of Rhineland has improved slightly in recent periods. Deposit Growth In the past year, Peoples Savings Bank of Rhineland has increased its total deposits by $5.58 million, resulting in 3.83% 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 of Rhineland has shown is above 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 Savings Bank of Rhineland has $167.94 million in assets with $17.91 million in equity, resulting in a capitalization level of 10.67%, which is above average.

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