Pee Dee Federal Savings Bank

Pee Dee Federal Savings Bank is headquartered in Marion and is the 74^th largest bank in the state of South Carolina. It is also the 6,618^st largest bank in the nation. It was established in 1935 and as of March of 2012, it had grown to 11 employees at 2 locations. Pee Dee Federal Savings Bank has a 4-star health rating.

Pee Dee Federal Savings Bank Routing Number: 253272342

Data for Q1 2012

Institution Statistics Pee Dee Federal Savings Bank OTS # 03697 FDIC Certificate # 29582 BankRate Report View Year Established 1935 Employees 11 Primary Regulator OCC Assets and Liabilities Assets $41.68 million Loans $24.47 million Deposits $32.38 million Equity Capital $8.68 million Loan Loss Allowance $1.28 million Unbacked Noncurrent Loans $1.85 million Real Estate Owned $719,000 Historic Data - March 2011 Assets $40.12 million Equity Capital $8.72 million Loan Loss Allowance $614,000 Unbacked Noncurrent Loans $616,000 Real Estate Owned $817,000 Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets -0.28% Return on Equity -1.33% Interest Income $438,000

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 Pee Dee Federal Savings Bank had $2.56 million in non-current loans and owned real-estate with $9.96 million in equity and loan loss allowances on hand to cover it. This gives Pee Dee Federal Savings Bank a Texas Ratio of 25.77% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pee Dee Federal Savings Bank increased slightly from 15.36% as of March 31, 2011 to 25.77% as of March 31, 2012, resulting in a negative change of 67.76%. This indicates that the balance sheet and financial strength for Pee Dee Federal Savings Bank has declined slightly in recent periods. Deposit Growth In the past year, Pee Dee Federal Savings Bank has increased its total deposits by $1.74 million, resulting in 5.68% 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 Pee Dee Federal Savings Bank has shown is excellent. 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. Pee Dee Federal Savings Bank has $41.68 million in assets with $9.96 million in equity, resulting in a capitalization level of 23.88%, which is excellent.

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