Peoples Savings Bank

Peoples Savings Bank is headquartered in Crawfordsville and is the 326^th largest bank in the state of Iowa. It is also the 6,975^th largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 6 employees at 2 locations. Peoples Savings Bank has a 5-star health rating.

Peoples Savings Bank Routing Number: 073917285

Data for Q1 2012

Institution Statistics Peoples Savings Bank FDIC Certificate # 225 BankRate Report View Year Established 1912 Employees 6 Primary Regulator FDIC Assets and Liabilities Assets $28.99 million Loans $15.24 million Deposits $25.72 million Equity Capital $3.13 million Loan Loss Allowance $158,000 Unbacked Noncurrent Loans $65,000 Historic Data - March 2011 Assets $29.50 million Equity Capital $2.94 million Loan Loss Allowance $152,000 Unbacked Noncurrent Loans $125,000 Profit Margin - Quarterly Net Interest Margin 4.49% Return on Assets 1.35% Return on Equity 12.73% Interest Income $368,000

Institution Health Overall Score: 5 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 had $65,000 in non-current loans and owned real-estate with $3.29 million in equity and loan loss allowances on hand to cover it. This gives Peoples Savings Bank a Texas Ratio of 1.98% which is excellent. 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 decreased significantly from 4.05% as of March 31, 2011 to 1.98% as of March 31, 2012, resulting in a positive change of 51.16%.This indicates that the balance sheet and financial strength for Peoples Savings Bank has improved significantly in recent periods. Deposit Growth In the past year, Peoples Savings Bank has decreased its total deposits by $-623,000, resulting in -2.36% 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 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 Savings Bank has $28.99 million in assets with $3.29 million in equity, resulting in a capitalization level of 11.34%, which is above average.

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