Planters Bank & Trust Company

Planters Bank & Trust Company is headquartered in Indianola and is the 13^st largest bank in the state of Mississippi. It is also the 945^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 156 employees at 15 locations. Planters Bank & Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Planters Bank & Trust Company FDIC Certificate # 8235 BankRate Report View Year Established 1920 Employees 156 Primary Regulator FDIC Assets and Liabilities Assets $702.30 million Loans $347.41 million Deposits $635.29 million Equity Capital $61.41 million Loan Loss Allowance $6.05 million Unbacked Noncurrent Loans $4.33 million Real Estate Owned $995,000 Historic Data - March 2011 Assets $657.17 million Equity Capital $56.76 million Loan Loss Allowance $5.84 million Unbacked Noncurrent Loans $3.74 million Real Estate Owned $1.47 million Profit Margin - Quarterly Net Interest Margin 3.58% Return on Assets 1.24% Return on Equity 14.03% Interest Income $6.81 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 Planters Bank & Trust Company had $5.32 million in non-current loans and owned real-estate with $67.46 million in equity and loan loss allowances on hand to cover it. This gives Planters Bank & Trust Company a Texas Ratio of 7.89% 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 Planters Bank & Trust Company held steady from 8.32% as of March 31, 2011 to 7.89% as of March 31, 2012, resulting in a positive change of 5.13%.This indicates that the balance sheet and financial strength for Planters Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Planters Bank & Trust Company has increased its total deposits by $38.19 million, resulting in 6.4% 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 Planters Bank & Trust Company 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. Planters Bank & Trust Company has $702.3 million in assets with $67.46 million in equity, resulting in a capitalization level of 9.61%, which is average.

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