Peoples Trust and Savings Bank (IN)

Peoples Trust and Savings Bank (IN) is headquartered in Boonville and is the 89^th largest bank in the state of Indiana. It is also the 4,107^th largest bank in the nation. It was established in 1895 and as of March of 2012, it had grown to 45 employees at 3 locations. Peoples Trust and Savings Bank (IN)'s savings rates are 4X the national average, and it boasts a 5-star health rating.

Peoples Trust and Savings Bank (IN) Checking Account Rates

Peoples Trust and Savings Bank (IN) Savings Account Rates

Peoples Trust and Savings Bank (IN) Money Market Rates

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Peoples Trust and Savings Bank (IN) IRA Rates

Data for Q1 2012

Institution Statistics Peoples Trust and Savings Bank FDIC Certificate # 13113 BankRate Report View Year Established 1895 Employees 45 Primary Regulator FDIC Assets and Liabilities Assets $136.61 million Loans $87.44 million Deposits $103.73 million Equity Capital $26.51 million Loan Loss Allowance $515,000 Unbacked Noncurrent Loans $516,000 Real Estate Owned $1.35 million Historic Data - March 2011 Assets $134.37 million Equity Capital $24.78 million Loan Loss Allowance $747,000 Unbacked Noncurrent Loans $1.21 million Real Estate Owned $1.27 million Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 0.64% Return on Equity 3.27% Interest Income $1.58 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 Trust and Savings Bank (IN) had $1.87 million in non-current loans and owned real-estate with $27.02 million in equity and loan loss allowances on hand to cover it. This gives Peoples Trust and Savings Bank (IN) a Texas Ratio of 6.92% 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 Trust and Savings Bank (IN) decreased slightly from 9.71% as of March 31, 2011 to 6.92% as of March 31, 2012, resulting in a positive change of 28.77%.This indicates that the balance sheet and financial strength for Peoples Trust and Savings Bank (IN) has improved slightly in recent periods. Deposit Growth In the past year, Peoples Trust and Savings Bank (IN) has increased its total deposits by $5.53 million, resulting in 5.63% 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 Trust and Savings Bank (IN) 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 Trust and Savings Bank (IN) has $136.61 million in assets with $27.02 million in equity, resulting in a capitalization level of 19.78%, which is excellent.

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