The Peoples Savings Bank (OH)

The Peoples Savings Bank (OH) is headquartered in Urbana and is the 155^th largest bank in the state of Ohio. It is also the 4,831^st largest bank in the nation. It was established in 1892 and as of December of 2012, it had grown to 27 employees at 2 locations. The Peoples Savings Bank (OH) has a 3-star health rating.

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Data for Q4 2012

Institution Statistics The Peoples Savings Bank FDIC Certificate # 29975 BankRate Report View Year Established 1892 Employees 27 Primary Regulator FDIC Assets and Liabilities Assets $102.16 million Loans $81.14 million Deposits $79.95 million Equity Capital $10.07 million Loan Loss Allowance $894,000 Unbacked Noncurrent Loans $3.52 million Real Estate Owned $498,000 Historic Data - December 2011 Assets $99.26 million Equity Capital $10.19 million Loan Loss Allowance $783,000 Unbacked Noncurrent Loans $3.94 million Real Estate Owned $61,000 Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 0.17% Return on Equity 1.65% Interest Income $5.02 million

Institution Health Overall Score: 3 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 Savings Bank (OH) had $4.01 million in non-current loans and owned real-estate with $10.96 million in equity and loan loss allowances on hand to cover it. This gives The Peoples Savings Bank (OH) a Texas Ratio of 36.64% 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 Savings Bank (OH) held steady from 36.44% as of December 31, 2011 to 36.64% as of December 31, 2012, resulting in a negative change of 0.54%. This indicates that the balance sheet and financial strength for The Peoples Savings Bank (OH) has held steady in recent periods. Deposit Growth In the past year, The Peoples Savings Bank (OH) has increased its total deposits by $5.16 million, resulting in 6.89% 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 Savings Bank (OH) 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. The Peoples Savings Bank (OH) has $102.16 million in assets with $10.96 million in equity, resulting in a capitalization level of 10.73%, which is above average.

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