The Peabody State Bank

The Peabody State Bank is headquartered in Peabody and is the 240^th largest bank in the state of Kansas. It is also the 6,698^th largest bank in the nation. It was established in 1899 and as of March of 2012, it had grown to 14 employees at 2 locations. The Peabody State Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics The Peabody State Bank FDIC Certificate # 17955 BankRate Report View Year Established 1899 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $39.55 million Loans $20.26 million Deposits $33.20 million Equity Capital $4.01 million Loan Loss Allowance $280,000 Unbacked Noncurrent Loans $148,000 Historic Data - March 2011 Assets $40.56 million Equity Capital $4.05 million Loan Loss Allowance $483,000 Unbacked Noncurrent Loans $825,000 Real Estate Owned $244,000 Profit Margin - Quarterly Net Interest Margin 3.69% Return on Assets 0.27% Return on Equity 2.71% Interest Income $366,000

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 The Peabody State Bank had $148,000 in non-current loans and owned real-estate with $4.29 million in equity and loan loss allowances on hand to cover it. This gives The Peabody State Bank a Texas Ratio of 3.45% 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 The Peabody State Bank decreased significantly from 23.58% as of March 31, 2011 to 3.45% as of March 31, 2012, resulting in a positive change of 85.37%.This indicates that the balance sheet and financial strength for The Peabody State Bank has improved significantly in recent periods. Deposit Growth In the past year, The Peabody State Bank has decreased its total deposits by $-826,000, resulting in -2.43% 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 The Peabody State Bank has shown is below 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. The Peabody State Bank has $39.55 million in assets with $4.29 million in equity, resulting in a capitalization level of 10.85%, which is above average.

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