Pelham Banking Company

Pelham Banking Company is headquartered in Pelham and is the 208^th largest bank in the state of Georgia. It is also the 5,926^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 18 employees at 2 locations. Pelham Banking Company has a 5-star health rating.

Pelham Banking Company Routing Number: 061202889

Data for Q1 2012

Institution Statistics Pelham Banking Company FDIC Certificate # 15441 BankRate Report View Year Established 1910 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $65.18 million Loans $24.59 million Deposits $54.61 million Equity Capital $10.12 million Loan Loss Allowance $312,000 Unbacked Noncurrent Loans $35,000 Real Estate Owned $403,000 Historic Data - March 2011 Assets $62.36 million Equity Capital $9.38 million Loan Loss Allowance $356,000 Unbacked Noncurrent Loans $664,000 Real Estate Owned $37,000 Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets 1.37% Return on Equity 8.6% Interest Income $621,000

Institution Health Overall Score: 5 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 Pelham Banking Company had $438,000 in non-current loans and owned real-estate with $10.43 million in equity and loan loss allowances on hand to cover it. This gives Pelham Banking Company a Texas Ratio of 4.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pelham Banking Company decreased significantly from 7.20% as of March 31, 2011 to 4.20% as of March 31, 2012, resulting in a positive change of 41.68%.This indicates that the balance sheet and financial strength for Pelham Banking Company has improved significantly in recent periods. Deposit Growth In the past year, Pelham Banking Company has increased its total deposits by $2.17 million, resulting in 4.13% 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 Pelham Banking Company 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. Pelham Banking Company has $65.18 million in assets with $10.43 million in equity, resulting in a capitalization level of 16.00%, which is excellent.

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