The Peoples Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

The Peoples Bank is proud to be the only locally owned and operated bank in Knox County. Local ownership means local decisions. The Peoples Bank is pleased to have earned BauerFinancial’s 5-Star Superior rating for financial strength and stability for over 25 years.

The bank has continuously updated its technology and went to imaging and phone banking and now to on-line banking in order to remain competitive. The Bank has always been directed by a Board made up of people that live in and have direct connections to local community.

The Peoples Bank of Gambier, which is small, independent, State Commercial and Savings Bank with FDIC insurance, was originally capitalized with $25,000 and 95 shareholders. Today, while still comparitively small at $53 milion, the Bank incorporates a full rante of services and competes with much larger banks while keeping a local presence. The Bank is the only locally owned and operated community bank in Knox County.