Peoples Trust and Savings Bank

Peoples Trust and Savings Bank Locations
90 East Railroad Street
Riverside, IA 52327
www.riverside-bank.com

Peoples Trust and Savings Bank is headquartered in Riverside and is the 331st largest bank in the state of Iowa. It is also the 7,018st largest bank in the nation. It was established in 1928 and as of March of 2012, it had grown to 4 employees at 1 location. Peoples Trust and Savings Bank has a 5-star health rating.



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Peoples Trust and Savings Bank Checking Account Rates

ApyMinMaxProduct
0.20%$1k-Interest Checking Account

Peoples Trust and Savings Bank Savings Account Rates

ApyMinMaxProduct
0.20%$50-Regular Savings Account

Peoples Trust and Savings Bank Money Market Rates

ApyMinMaxProduct
0.50%$250k-Money Fund

Peoples Trust and Savings Bank CD Rates

ApyMinMaxProduct
1.72%$1,500-60 Month CD
1.51%$1,500-48 Month CD
1.06%$1,500-30 Month CD
1.00%$1,500-36 Month CD
0.69%$1,500-24 Month CD
0.48%$1,500-18 Month CD
0.30%$1,500-12 Month CD
0.30%$1,500-12 Month Saver CD
0.07%$1,500-6 Month CD
0.07%$1,500-6 Month Saver CD
0.04%$1,500-3 Month CD

Rates updated: 5/27/2012

Data for Q1 2012


Institution Statistics


Peoples Trust and Savings Bank
FDIC Certificate #11351
BankRate ReportView
Year Established1928
Employees4
Primary RegulatorFDIC

Assets and Liabilities

Assets$27.23 million
Loans$6.43 million
Deposits$24.85 million
Equity Capital$2.16 million
Loan Loss Allowance$82,000

Historic Data - March 2011

Assets$24.71 million
Equity Capital$1.90 million
Loan Loss Allowance$82,000

Profit Margin - Quarterly

Net Interest Margin2.96%
Return on Assets1.11%
Return on Equity13.23%
Interest Income$222,000

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 had $0 in non-current loans and owned real-estate with $2.24 million in equity and loan loss allowances on hand to cover it. This gives Peoples Trust and Savings Bank 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 Growth5
In the past year, Peoples Trust and Savings Bank has increased its total deposits by $2.69 million, resulting in 12.14% 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 has shown is excellent.
Capitalization3
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 has $27.23 million in assets with $2.24 million in equity, resulting in a capitalization level of 8.24%, which is average.
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