PeoplesBank

PeoplesBank is headquartered in Holyoke and is the 13^st largest bank in the state of Massachusetts. It is also the 407^th largest bank in the nation. It was established in 1885 and as of March of 2012, it had grown to 234 employees at 18 locations. PeoplesBank has a 5-star health rating.

PeoplesBank Routing Number: 211871772

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Data for Q1 2012

Institution Statistics PeoplesBank FDIC Certificate # 90213 BankRate Report View Year Established 1885 Employees 234 Primary Regulator FDIC Assets and Liabilities Assets $1.66 billion Loans $981.53 million Deposits $1.29 billion Equity Capital $162.93 million Loan Loss Allowance $11.53 million Unbacked Noncurrent Loans $4.62 million Real Estate Owned $2.88 million Historic Data - March 2011 Assets $1.62 billion Equity Capital $146.40 million Loan Loss Allowance $11.52 million Unbacked Noncurrent Loans $11.18 million Real Estate Owned $2.56 million Profit Margin - Quarterly Net Interest Margin 3.14% Return on Assets 0.74% Return on Equity 7.55% Interest Income $16.57 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 PeoplesBank had $7.5 million in non-current loans and owned real-estate with $174.46 million in equity and loan loss allowances on hand to cover it. This gives PeoplesBank a Texas Ratio of 4.30% 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 PeoplesBank decreased significantly from 8.70% as of March 31, 2011 to 4.30% as of March 31, 2012, resulting in a positive change of 50.59%.This indicates that the balance sheet and financial strength for PeoplesBank has improved significantly in recent periods. Deposit Growth In the past year, PeoplesBank has increased its total deposits by $105.83 million, resulting in 8.97% 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 PeoplesBank 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. PeoplesBank has $1.66 billion in assets with $174.46 million in equity, resulting in a capitalization level of 10.49%, which is above average.

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