The Peoples Bank (16603)

The Peoples Bank (16603) is headquartered in Marion and is the 183^rd largest bank in the state of Kentucky. It is also the 6,789^th largest bank in the nation. It was established in 1946 and as of March of 2012, it had grown to 16 employees at 3 locations. The Peoples Bank (16603) has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Peoples Bank FDIC Certificate # 16603 BankRate Report View Year Established 1946 Employees 16 Primary Regulator FED Assets and Liabilities Assets $36.16 million Loans $26.07 million Deposits $30.63 million Equity Capital $2.95 million Loan Loss Allowance $371,000 Unbacked Noncurrent Loans $398,000 Real Estate Owned $51,000 Historic Data - March 2011 Assets $34.96 million Equity Capital $2.76 million Loan Loss Allowance $278,000 Unbacked Noncurrent Loans $633,000 Profit Margin - Quarterly Net Interest Margin 4.46% Return on Assets 0.6% Return on Equity 7.36% Interest Income $468,000

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 The Peoples Bank (16603) had $449,000 in non-current loans and owned real-estate with $3.32 million in equity and loan loss allowances on hand to cover it. This gives The Peoples Bank (16603) a Texas Ratio of 13.50% 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 The Peoples Bank (16603) decreased slightly from 20.87% as of March 31, 2011 to 13.50% as of March 31, 2012, resulting in a positive change of 35.30%.This indicates that the balance sheet and financial strength for The Peoples Bank (16603) has improved slightly in recent periods. Deposit Growth In the past year, The Peoples Bank (16603) has increased its total deposits by $947,000, resulting in 3.19% 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 Peoples Bank (16603) has shown is above 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 Peoples Bank (16603) has $36.16 million in assets with $3.32 million in equity, resulting in a capitalization level of 9.20%, which is average.

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