Peachtree Bank

Peachtree Bank is headquartered in Maplesville and is the 132^nd largest bank in the state of Alabama. It is also the 6,268^th largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 19 employees at 2 locations. Peachtree Bank has a 4-star health rating.

Peachtree Bank Routing Number: 062204802

Data for Q1 2012

Institution Statistics Peachtree Bank FDIC Certificate # 68 BankRate Report View Year Established 1919 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $53.16 million Loans $21.05 million Deposits $45.17 million Equity Capital $5.68 million Loan Loss Allowance $274,000 Unbacked Noncurrent Loans $581,000 Real Estate Owned $191,000 Historic Data - March 2011 Assets $56.48 million Equity Capital $5.53 million Loan Loss Allowance $513,000 Unbacked Noncurrent Loans $2.92 million Real Estate Owned $441,000 Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets -0.4% Return on Equity -3.72% Interest Income $472,000

Institution Health Overall Score: 4 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 Peachtree Bank had $772,000 in non-current loans and owned real-estate with $5.96 million in equity and loan loss allowances on hand to cover it. This gives Peachtree Bank a Texas Ratio of 12.96% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Peachtree Bank decreased significantly from 55.68% as of March 31, 2011 to 12.96% as of March 31, 2012, resulting in a positive change of 76.72%.This indicates that the balance sheet and financial strength for Peachtree Bank has improved significantly in recent periods. Deposit Growth In the past year, Peachtree Bank has decreased its total deposits by -$3.1 million, resulting in -6.42% 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 Peachtree Bank has shown is poor. 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. Peachtree Bank has $53.16 million in assets with $5.96 million in equity, resulting in a capitalization level of 11.20%, which is above average.

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