Institution Statistics
| Peoples State Bank | | FDIC Certificate # | 13196 | | BankRate Report | View | | Year Established | 1906 | | Employees | 15 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $74.94 million | | Loans | $22.64 million | | Deposits | $67.53 million | | Equity Capital | $7.24 million | | Loan Loss Allowance | $810,000 |
Historic Data - March 2011 | | Assets | $67.35 million | | Equity Capital | $6.03 million | | Loan Loss Allowance | $752,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.29% | | Return on Assets | 2.3% | | Return on Equity | 24.32% | | Interest Income | $539,000 |
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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 State Bank (ND) had $0 in non-current loans and owned real-estate with $8.05 million in equity and loan loss allowances on hand to cover it. This gives Peoples State Bank (ND) a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Peoples State Bank (ND) has increased its total deposits by $6.34 million, resulting in 10.36% 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 State Bank (ND) 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 State Bank (ND) has $74.94 million in assets with $8.05 million in equity, resulting in a capitalization level of 10.74%, which is above average. |
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