Peoples State Bank of Plainview

Peoples State Bank of Plainview is headquartered in Plainview and is the 96^th largest bank in the state of Minnesota. It is also the 3,377^th largest bank in the nation. It was established in 1925 and as of March of 2012, it had grown to 38 employees at 6 locations. Peoples State Bank of Plainview has a 5-star health rating.

Data for Q1 2012

Institution Statistics Peoples State Bank of Plainview FDIC Certificate # 1100 BankRate Report View Year Established 1925 Employees 38 Primary Regulator FED Assets and Liabilities Assets $181.04 million Loans $105.25 million Deposits $142.70 million Equity Capital $17.05 million Loan Loss Allowance $1.80 million Unbacked Noncurrent Loans $1.67 million Real Estate Owned $947,000 Historic Data - March 2011 Assets $165.22 million Equity Capital $15.49 million Loan Loss Allowance $1.73 million Unbacked Noncurrent Loans $2.85 million Real Estate Owned $627,000 Profit Margin - Quarterly Net Interest Margin 3.3% Return on Assets 1.13% Return on Equity 11.92% Interest Income $1.85 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 Plainview had $2.62 million in non-current loans and owned real-estate with $18.85 million in equity and loan loss allowances on hand to cover it. This gives Peoples State Bank of Plainview a Texas Ratio of 13.90% 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 State Bank of Plainview decreased slightly from 20.19% as of March 31, 2011 to 13.90% as of March 31, 2012, resulting in a positive change of 31.15%.This indicates that the balance sheet and financial strength for Peoples State Bank of Plainview has improved slightly in recent periods. Deposit Growth In the past year, Peoples State Bank of Plainview has increased its total deposits by $13.23 million, resulting in 10.22% 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 Plainview 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 of Plainview has $181.04 million in assets with $18.85 million in equity, resulting in a capitalization level of 10.41%, which is above average.

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