Peach State Bank & Trust

Peach State Bank & Trust is headquartered in Gainesville and is the 123^rd largest bank in the state of Georgia. It is also the 3,910^st largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 22 employees at 2 locations. Peach State Bank & Trust has a 3-star health rating.

Peach State Bank & Trust Routing Number: 061120547

Data for Q1 2012

Institution Statistics Peach State Bank & Trust FDIC Certificate # 57923 BankRate Report View Year Established 2005 Employees 22 Primary Regulator FDIC Assets and Liabilities Assets $148.02 million Loans $93.82 million Deposits $129.70 million Equity Capital $11.04 million Loan Loss Allowance $3.85 million Unbacked Noncurrent Loans $4.89 million Real Estate Owned $6.25 million Historic Data - March 2011 Assets $145.55 million Equity Capital $8.08 million Loan Loss Allowance $3.75 million Unbacked Noncurrent Loans $5.16 million Real Estate Owned $4.43 million Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 0.55% Return on Equity 7.38% Interest Income $1.59 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 Peach State Bank & Trust had $11.14 million in non-current loans and owned real-estate with $14.88 million in equity and loan loss allowances on hand to cover it. This gives Peach State Bank & Trust a Texas Ratio of 74.82% 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 Peach State Bank & Trust held steady from 81.00% as of March 31, 2011 to 74.82% as of March 31, 2012, resulting in a positive change of 7.63%.This indicates that the balance sheet and financial strength for Peach State Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Peach State Bank & Trust has decreased its total deposits by $-684,000, resulting in -0.52% 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 Peach State Bank & Trust has shown is 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. Peach State Bank & Trust has $148.02 million in assets with $14.88 million in equity, resulting in a capitalization level of 10.05%, which is above average.

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