Peoples Bank of Alabama

Peoples Bank of Alabama is headquartered in Cullman and is the 15^st largest bank in the state of Alabama. It is also the 1,332^nd largest bank in the nation. It was established in 1977 and as of March of 2012, it had grown to 215 employees at 29 locations. Peoples Bank of Alabama has a 3-star health rating.

Peoples Bank of Alabama Routing Number: 062203010

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Data for Q1 2012

Institution Statistics Peoples Bank of Alabama FDIC Certificate # 22537 BankRate Report View Year Established 1977 Employees 215 Primary Regulator FDIC Assets and Liabilities Assets $509.51 million Loans $342.27 million Deposits $428.77 million Equity Capital $45.39 million Loan Loss Allowance $4.91 million Unbacked Noncurrent Loans $14.95 million Real Estate Owned $8.92 million Historic Data - March 2011 Assets $514.67 million Equity Capital $44.86 million Loan Loss Allowance $4.50 million Unbacked Noncurrent Loans $12.04 million Real Estate Owned $20.24 million Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 1.36% Return on Equity 15.69% Interest Income $5.43 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 Peoples Bank of Alabama had $23.87 million in non-current loans and owned real-estate with $50.31 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank of Alabama a Texas Ratio of 47.46% 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 Peoples Bank of Alabama decreased slightly from 65.39% as of March 31, 2011 to 47.46% as of March 31, 2012, resulting in a positive change of 27.43%.This indicates that the balance sheet and financial strength for Peoples Bank of Alabama has improved slightly in recent periods. Deposit Growth In the past year, Peoples Bank of Alabama has increased its total deposits by $828,000, resulting in 0.19% 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 Peoples Bank of Alabama 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. Peoples Bank of Alabama has $509.51 million in assets with $50.31 million in equity, resulting in a capitalization level of 9.87%, which is average.

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