People's Bank and Trust Company of Pickett County

People's Bank and Trust Company of Pickett County is headquartered in Byrdstown and is the 143^rd largest bank in the state of Tennessee. It is also the 4,315^st largest bank in the nation. It was established in 1978 and as of March of 2012, it had grown to 30 employees at 1 location. People's Bank and Trust Company of Pickett County has a 2-star health rating.

Data for Q1 2012

Institution Statistics People's Bank and Trust Company of Pickett County FDIC Certificate # 22756 BankRate Report View Year Established 1978 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $127.37 million Loans $88.93 million Deposits $116.26 million Equity Capital $10.51 million Loan Loss Allowance $3.08 million Unbacked Noncurrent Loans $9.92 million Real Estate Owned $3.72 million Historic Data - March 2011 Assets $136.09 million Equity Capital $12.04 million Loan Loss Allowance $2.09 million Unbacked Noncurrent Loans $8.67 million Real Estate Owned $2.69 million Profit Margin - Quarterly Net Interest Margin 4.59% Return on Assets 0.78% Return on Equity 9.64% Interest Income $1.67 million

Institution Health Overall Score: 2 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 People's Bank and Trust Company of Pickett County had $13.64 million in non-current loans and owned real-estate with $13.59 million in equity and loan loss allowances on hand to cover it. This gives People's Bank and Trust Company of Pickett County a Texas Ratio of 100.42% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for People's Bank and Trust Company of Pickett County increased slightly from 78.41% as of March 31, 2011 to 100.42% as of March 31, 2012, resulting in a negative change of 28.07%. This indicates that the balance sheet and financial strength for People's Bank and Trust Company of Pickett County has declined slightly in recent periods. Deposit Growth In the past year, People's Bank and Trust Company of Pickett County has decreased its total deposits by -$5.86 million, resulting in -4.8% 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 People's Bank and Trust Company of Pickett County 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. People's Bank and Trust Company of Pickett County has $127.37 million in assets with $13.59 million in equity, resulting in a capitalization level of 10.67%, which is above average.

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