First Peoples Bank of Tennessee

First Peoples Bank of Tennessee is headquartered in Jefferson City and is the 137^th largest bank in the state of Tennessee. It is also the 4,203^rd largest bank in the nation. It was established in 1975 and as of March of 2012, it had grown to 58 employees at 7 locations. First Peoples Bank of Tennessee has a 3-star health rating.

First Peoples Bank of Tennessee Routing Number: 064202828

Data for Q1 2012

Institution Statistics First Peoples Bank of Tennessee FDIC Certificate # 21874 BankRate Report View Year Established 1975 Employees 58 Primary Regulator FDIC Assets and Liabilities Assets $132.15 million Loans $85.25 million Deposits $114.96 million Equity Capital $11.78 million Loan Loss Allowance $570,000 Unbacked Noncurrent Loans $1.71 million Real Estate Owned $3.57 million Historic Data - March 2011 Assets $129.89 million Equity Capital $11.10 million Loan Loss Allowance $310,000 Unbacked Noncurrent Loans $1.47 million Real Estate Owned $2.85 million Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets 0.46% Return on Equity 5.16% Interest Income $1.47 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 March 31, 2012 First Peoples Bank of Tennessee had $5.28 million in non-current loans and owned real-estate with $12.35 million in equity and loan loss allowances on hand to cover it. This gives First Peoples Bank of Tennessee a Texas Ratio of 42.80% 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 First Peoples Bank of Tennessee held steady from 37.80% as of March 31, 2011 to 42.80% as of March 31, 2012, resulting in a negative change of 13.21%. This indicates that the balance sheet and financial strength for First Peoples Bank of Tennessee has held steady in recent periods. Deposit Growth In the past year, First Peoples Bank of Tennessee has increased its total deposits by $2.05 million, resulting in 1.82% 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 First Peoples Bank of Tennessee has shown is above 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. First Peoples Bank of Tennessee has $132.15 million in assets with $12.35 million in equity, resulting in a capitalization level of 9.34%, which is average.

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