People's State Bank of Wyalusing, Pennsylvania

People's State Bank of Wyalusing, Pennsylvania is headquartered in Wyalusing and is the 126^th largest bank in the state of Pennsylvania. It is also the 2,598^th largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 81 employees at 8 locations. People's State Bank of Wyalusing, Pennsylvania's savings rates are 2X the national average, and it has a 4-star health rating.

People's State Bank of Wyalusing, Pennsylvania Checking Account Rates

People's State Bank of Wyalusing, Pennsylvania Savings Account Rates

People's State Bank of Wyalusing, Pennsylvania Money Market Rates

People's State Bank of Wyalusing, Pennsylvania CD Rates

Data for Q1 2012

Institution Statistics People's State Bank of Wyalusing, Pennsylvania FDIC Certificate # 444 BankRate Report View Year Established 1914 Employees 81 Primary Regulator FDIC Assets and Liabilities Assets $247.05 million Loans $152.36 million Deposits $216.97 million Equity Capital $20.05 million Loan Loss Allowance $4.75 million Unbacked Noncurrent Loans $3.95 million Real Estate Owned $417,000 Historic Data - March 2011 Assets $239.94 million Equity Capital $17.90 million Loan Loss Allowance $4.55 million Unbacked Noncurrent Loans $6.70 million Real Estate Owned $17,000 Profit Margin - Quarterly Net Interest Margin 4.17% Return on Assets 1.01% Return on Equity 12.27% Interest Income $2.77 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 People's State Bank of Wyalusing, Pennsylvania had $4.37 million in non-current loans and owned real-estate with $24.79 million in equity and loan loss allowances on hand to cover it. This gives People's State Bank of Wyalusing, Pennsylvania a Texas Ratio of 17.62% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for People's State Bank of Wyalusing, Pennsylvania decreased significantly from 29.94% as of March 31, 2011 to 17.62% as of March 31, 2012, resulting in a positive change of 41.15%.This indicates that the balance sheet and financial strength for People's State Bank of Wyalusing, Pennsylvania has improved significantly in recent periods. Deposit Growth In the past year, People's State Bank of Wyalusing, Pennsylvania has increased its total deposits by $11.82 million, resulting in 5.76% 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 People's State Bank of Wyalusing, Pennsylvania 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. People's State Bank of Wyalusing, Pennsylvania has $247.05 million in assets with $24.79 million in equity, resulting in a capitalization level of 10.04%, which is above average.

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