Peoples Trust & Savings Bank

Peoples Trust & Savings Bank is headquartered in Clive and is the 65^th largest bank in the state of Iowa. It is also the 2,500^th largest bank in the nation. It was established in 1917 and as of March of 2012, it had grown to 70 employees at 8 locations. Peoples Trust & Savings Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Peoples Trust & Savings Bank FDIC Certificate # 14692 BankRate Report View Year Established 1917 Employees 70 Primary Regulator FDIC Assets and Liabilities Assets $258.56 million Loans $149.23 million Deposits $212.24 million Equity Capital $24.40 million Loan Loss Allowance $2.14 million Unbacked Noncurrent Loans $2.45 million Real Estate Owned $3.38 million Historic Data - March 2011 Assets $260.23 million Equity Capital $23.48 million Loan Loss Allowance $2.57 million Unbacked Noncurrent Loans $6.39 million Real Estate Owned $2.58 million Profit Margin - Quarterly Net Interest Margin 3.65% Return on Assets 0.52% Return on Equity 5.53% Interest Income $2.65 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 Peoples Trust & Savings Bank had $5.83 million in non-current loans and owned real-estate with $26.54 million in equity and loan loss allowances on hand to cover it. This gives Peoples Trust & Savings Bank a Texas Ratio of 21.96% 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 Peoples Trust & Savings Bank decreased significantly from 36.81% as of March 31, 2011 to 21.96% as of March 31, 2012, resulting in a positive change of 40.34%.This indicates that the balance sheet and financial strength for Peoples Trust & Savings Bank has improved significantly in recent periods. Deposit Growth In the past year, Peoples Trust & Savings Bank has decreased its total deposits by $-675,000, resulting in -0.32% 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 & Savings Bank 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 Trust & Savings Bank has $258.56 million in assets with $26.54 million in equity, resulting in a capitalization level of 10.26%, which is above average.

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