Peoples State Bank of Hallettsville

Peoples State Bank of Hallettsville is headquartered in Hallettsville and is the 226^th largest bank in the state of Texas. It is also the 2,881^st largest bank in the nation. It was established in 1929 and as of March of 2012, it had grown to 25 employees at 1 location. Peoples State Bank of Hallettsville's CD rates are 11% higher than the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics Peoples State Bank of Hallettsville FDIC Certificate # 10719 BankRate Report View Year Established 1929 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $221.15 million Loans $37.48 million Deposits $187.11 million Equity Capital $27.75 million Loan Loss Allowance $632,000 Unbacked Noncurrent Loans $105,000 Historic Data - March 2011 Assets $217.52 million Equity Capital $25.52 million Loan Loss Allowance $632,000 Unbacked Noncurrent Loans $116,000 Profit Margin - Quarterly Net Interest Margin 1.84% Return on Assets 0.7% Return on Equity 5.67% Interest Income $1.50 million

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 of Hallettsville had $105,000 in non-current loans and owned real-estate with $28.38 million in equity and loan loss allowances on hand to cover it. This gives Peoples State Bank of Hallettsville a Texas Ratio of 0.37% 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 State Bank of Hallettsville decreased slightly from 0.44% as of March 31, 2011 to 0.37% as of March 31, 2012, resulting in a positive change of 16.61%.This indicates that the balance sheet and financial strength for Peoples State Bank of Hallettsville has improved slightly in recent periods. Deposit Growth In the past year, Peoples State Bank of Hallettsville has increased its total deposits by $965,000, resulting in 0.52% 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 of Hallettsville has shown is 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 State Bank of Hallettsville has $221.15 million in assets with $28.38 million in equity, resulting in a capitalization level of 12.83%, which is excellent.

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