Institution Statistics
| Peru Federal Savings Bank | | OTS # | 03367 | | FDIC Certificate # | 29384 | | BankRate Report | View | | Year Established | 1887 | | Employees | 25 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $140.75 million | | Loans | $66.64 million | | Deposits | $124.93 million | | Equity Capital | $14.93 million | | Loan Loss Allowance | $292,000 | | Unbacked Noncurrent Loans | $1.75 million | | Real Estate Owned | $495,000 |
Historic Data - March 2011 | | Assets | $139.18 million | | Equity Capital | $13.98 million | | Loan Loss Allowance | $425,000 | | Unbacked Noncurrent Loans | $1.95 million | | Real Estate Owned | $358,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.49% | | Return on Assets | 0.54% | | Return on Equity | 5.07% | | Interest Income | $1.17 million |
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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 Peru Federal Savings Bank had $2.25 million in non-current loans and owned real-estate with $15.22 million in equity and loan loss allowances on hand to cover it. This gives Peru Federal Savings Bank a Texas Ratio of 14.77% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Peru Federal Savings Bank held steady from 16.04% as of March 31, 2011 to 14.77% as of March 31, 2012, resulting in a positive change of 7.95%.This indicates that the balance sheet and financial strength for Peru Federal Savings Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Peru Federal Savings Bank has increased its total deposits by $193,000, resulting in 0.15% 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 Peru Federal 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. Peru Federal Savings Bank has $140.75 million in assets with $15.22 million in equity, resulting in a capitalization level of 10.81%, which is above average. |
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