Pioneer Bank & Trust

Pioneer Bank & Trust is headquartered in Belle Fourche and is the 15^st largest bank in the state of South Dakota. It is also the 1,418^st largest bank in the nation. It was established in 1937 and as of March of 2012, it had grown to 94 employees at 7 locations. Pioneer Bank & Trust has a 5-star health rating.

Data for Q1 2012

Institution Statistics Pioneer Bank & Trust FDIC Certificate # 15562 BankRate Report View Year Established 1937 Employees 94 Primary Regulator FDIC Assets and Liabilities Assets $474.71 million Loans $203.23 million Deposits $423.18 million Equity Capital $46.68 million Loan Loss Allowance $2.06 million Unbacked Noncurrent Loans $1.53 million Real Estate Owned $44,000 Historic Data - March 2011 Assets $431.15 million Equity Capital $42.51 million Loan Loss Allowance $1.98 million Unbacked Noncurrent Loans $571,000 Profit Margin - Quarterly Net Interest Margin 2.91% Return on Assets 1.65% Return on Equity 16.78% Interest Income $3.81 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 Pioneer Bank & Trust had $1.57 million in non-current loans and owned real-estate with $48.73 million in equity and loan loss allowances on hand to cover it. This gives Pioneer Bank & Trust a Texas Ratio of 3.23% 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 Pioneer Bank & Trust held steady from 1.28% as of March 31, 2011 to 3.23% as of March 31, 2012, resulting in a negative change of 151.50%. This indicates that the balance sheet and financial strength for Pioneer Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Pioneer Bank & Trust has increased its total deposits by $40.25 million, resulting in 10.51% 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 Pioneer Bank & Trust 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. Pioneer Bank & Trust has $474.71 million in assets with $48.73 million in equity, resulting in a capitalization level of 10.27%, which is above average.

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