The Peoples State Bank
Major Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) and a capital leverage ratio of 10.5. A current level of 0.9 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.5) profitability.
Asset Mix:
Securities (36%), comm re (17%), home mtgs (11%), home eq lns (9%), cash (5%), comm loans (4%), consumer loans (1%), other (17%)
States with Branches:
IN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Ellettsville Bancshares, Inc.
Investment Rating
--
Address
601 East Temperance Street
Ellettsville, IN 47429
Ellettsville, IN 47429
Phone Number
(812) 876-2228
Year Founded
1904
FDIC Number
Website
Largest Affiliates
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