Peoples Bank of East Tennessee

Peoples Bank of East Tennessee is headquartered in Madisonville and is the 81^st largest bank in the state of Tennessee. It is also the 2,775^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 90 employees at 12 locations. Peoples Bank of East Tennessee has a 3-star health rating.

Peoples Bank of East Tennessee Routing Number: 064208398

Data for Q1 2012

Institution Statistics Peoples Bank of East Tennessee FDIC Certificate # 34517 BankRate Report View Year Established 1997 Employees 90 Primary Regulator FDIC Assets and Liabilities Assets $229.79 million Loans $146.82 million Deposits $206.93 million Equity Capital $18.44 million Loan Loss Allowance $2.46 million Unbacked Noncurrent Loans $8.46 million Real Estate Owned $5.26 million Historic Data - March 2011 Assets $223.89 million Equity Capital $17.54 million Loan Loss Allowance $2.98 million Unbacked Noncurrent Loans $6.05 million Real Estate Owned $4.97 million Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 0.08% Return on Equity 1% Interest Income $2.42 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 East Tennessee had $13.72 million in non-current loans and owned real-estate with $20.9 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank of East Tennessee a Texas Ratio of 65.64% 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 East Tennessee increased slightly from 53.69% as of March 31, 2011 to 65.64% as of March 31, 2012, resulting in a negative change of 22.27%. This indicates that the balance sheet and financial strength for Peoples Bank of East Tennessee has declined slightly in recent periods. Deposit Growth In the past year, Peoples Bank of East Tennessee has increased its total deposits by $5.98 million, resulting in 2.98% 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 East Tennessee 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. Peoples Bank of East Tennessee has $229.79 million in assets with $20.9 million in equity, resulting in a capitalization level of 9.09%, which is average.

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