First Peoples Bank

First Peoples Bank is headquartered in Pine Mountain and is the 204^th largest bank in the state of Georgia. It is also the 5,817^st largest bank in the nation. It was established in 1990 and as of March of 2012, it had grown to 27 employees at 2 locations. First Peoples Bank has a 3-star health rating.

First Peoples Bank Routing Number: 061103849

Data for Q1 2012

Institution Statistics First Peoples Bank FDIC Certificate # 33010 BankRate Report View Year Established 1990 Employees 27 Primary Regulator FDIC Assets and Liabilities Assets $68.38 million Loans $47.45 million Deposits $57.05 million Equity Capital $10.78 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $3.65 million Real Estate Owned $168,000 Historic Data - March 2011 Assets $69.80 million Equity Capital $10.50 million Loan Loss Allowance $1.36 million Unbacked Noncurrent Loans $3.71 million Real Estate Owned $124,000 Profit Margin - Quarterly Net Interest Margin 5.04% Return on Assets 1.06% Return on Equity 7.12% Interest Income $889,000

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 had $3.81 million in non-current loans and owned real-estate with $12.29 million in equity and loan loss allowances on hand to cover it. This gives First Peoples Bank a Texas Ratio of 31.04% 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 held steady from 32.37% as of March 31, 2011 to 31.04% as of March 31, 2012, resulting in a positive change of 4.09%.This indicates that the balance sheet and financial strength for First Peoples Bank has held steady in recent periods. Deposit Growth In the past year, First Peoples Bank has decreased its total deposits by -$1.9 million, resulting in -3.22% 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 has shown is below 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 has $68.38 million in assets with $12.29 million in equity, resulting in a capitalization level of 17.97%, which is excellent.

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