The Peoples National Bank of Mount Pleasant

The Peoples National Bank of Mount Pleasant is headquartered in Mount Pleasant and is the 193^rd largest bank in the state of Ohio. It is also the 5,961^st largest bank in the nation. It was established in 1903 and as of December of 2012, it had grown to 25 employees at 3 locations. The Peoples National Bank of Mount Pleasant has a 4-star health rating.

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Data for Q4 2012

Institution Statistics The Peoples National Bank of Mount Pleasant FDIC Certificate # 6649 BankRate Report View Year Established 1903 Employees 25 Primary Regulator OCC Assets and Liabilities Assets $59.01 million Loans $34.62 million Deposits $52.16 million Equity Capital $6.74 million Loan Loss Allowance $301,000 Unbacked Noncurrent Loans $485,000 Real Estate Owned $46,000 Historic Data - December 2011 Assets $59.20 million Equity Capital $6.74 million Loan Loss Allowance $175,000 Unbacked Noncurrent Loans $408,000 Profit Margin - Quarterly Net Interest Margin 3.78% Return on Assets 0.16% Return on Equity 1.5% Interest Income $2.63 million

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 December 31, 2012 The Peoples National Bank of Mount Pleasant had $531,000 in non-current loans and owned real-estate with $7.04 million in equity and loan loss allowances on hand to cover it. This gives The Peoples National Bank of Mount Pleasant a Texas Ratio of 7.54% 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 Peoples National Bank of Mount Pleasant held steady from 5.90% as of December 31, 2011 to 7.54% as of December 31, 2012, resulting in a negative change of 27.87%. This indicates that the balance sheet and financial strength for The Peoples National Bank of Mount Pleasant has held steady in recent periods. Deposit Growth In the past year, The Peoples National Bank of Mount Pleasant has decreased its total deposits by $-230,000, resulting in -0.44% 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 National Bank of Mount Pleasant has shown is 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 National Bank of Mount Pleasant has $59.01 million in assets with $7.04 million in equity, resulting in a capitalization level of 11.93%, which is above average.

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