Institution Statistics
| Peoples-Webster County Bank | | FDIC Certificate # | 14326 | | BankRate Report | View | | Year Established | 1893 | | Employees | 13 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $72.15 million | | Loans | $37.05 million | | Deposits | $52.48 million | | Equity Capital | $18.93 million | | Loan Loss Allowance | $496,000 | | Unbacked Noncurrent Loans | $178,000 |
Historic Data - March 2011 | | Assets | $63.98 million | | Equity Capital | $18.06 million | | Loan Loss Allowance | $546,000 | | Unbacked Noncurrent Loans | $267,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.86% | | Return on Assets | 1.44% | | Return on Equity | 5.36% | | Interest Income | $698,000 |
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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-Webster County Bank had $178,000 in non-current loans and owned real-estate with $19.42 million in equity and loan loss allowances on hand to cover it. This gives Peoples-Webster County Bank a Texas Ratio of 0.92% 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-Webster County Bank decreased slightly from 1.43% as of March 31, 2011 to 0.92% as of March 31, 2012, resulting in a positive change of 36.12%.This indicates that the balance sheet and financial strength for Peoples-Webster County Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Peoples-Webster County Bank has increased its total deposits by $7.58 million, resulting in 16.88% 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-Webster County Bank 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-Webster County Bank has $72.15 million in assets with $19.42 million in equity, resulting in a capitalization level of 26.92%, which is excellent. |
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