The Peoples Bank, Biloxi, Mississippi

The Peoples Bank, Biloxi, Mississippi is headquartered in Biloxi and is the 9^th largest bank in the state of Mississippi. It is also the 741^st largest bank in the nation. It was established in 1896 and as of March of 2012, it had grown to 175 employees at 17 locations. The Peoples Bank, Biloxi, Mississippi has a 2-star health rating.

Data for Q1 2012

Institution Statistics The Peoples Bank, Biloxi, Mississippi FDIC Certificate # 340 BankRate Report View Year Established 1896 Employees 175 Primary Regulator FDIC Assets and Liabilities Assets $895.44 million Loans $420.15 million Deposits $504.01 million Equity Capital $103.29 million Loan Loss Allowance $8.05 million Unbacked Noncurrent Loans $57.93 million Real Estate Owned $7.73 million Historic Data - March 2011 Assets $827.90 million Equity Capital $97.04 million Loan Loss Allowance $7.11 million Unbacked Noncurrent Loans $16.35 million Real Estate Owned $6.94 million Profit Margin - Quarterly Net Interest Margin 2.93% Return on Assets 0.27% Return on Equity 2.2% Interest Income $6.19 million

Institution Health Overall Score: 2 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, Biloxi, Mississippi had $65.66 million in non-current loans and owned real-estate with $111.34 million in equity and loan loss allowances on hand to cover it. This gives The Peoples Bank, Biloxi, Mississippi a Texas Ratio of 58.97% which is below 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, Biloxi, Mississippi increased slightly from 22.36% as of March 31, 2011 to 58.97% as of March 31, 2012, resulting in a negative change of 163.68%. This indicates that the balance sheet and financial strength for The Peoples Bank, Biloxi, Mississippi has declined slightly in recent periods. Deposit Growth In the past year, The Peoples Bank, Biloxi, Mississippi has decreased its total deposits by -$30.29 million, resulting in -5.67% 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, Biloxi, Mississippi has shown is poor. 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, Biloxi, Mississippi has $895.44 million in assets with $111.34 million in equity, resulting in a capitalization level of 12.43%, which is excellent.

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