Institution Statistics
| Peoples Bank of Macon | | FDIC Certificate # | 19105 | | BankRate Report | View | | Year Established | 1964 | | Employees | 6 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $19.34 million | | Loans | $7.45 million | | Deposits | $16.28 million | | Equity Capital | $2.79 million | | Loan Loss Allowance | $81,000 |
Historic Data - March 2011 | | Assets | $18.42 million | | Equity Capital | $2.78 million | | Loan Loss Allowance | $83,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.66% | | Return on Assets | 0.55% | | Return on Equity | 3.74% | | Interest Income | $159,000 |
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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 Peoples Bank of Macon had $0 in non-current loans and owned real-estate with $2.87 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank of Macon a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Peoples Bank of Macon has increased its total deposits by $1.14 million, resulting in 7.5% 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 Macon 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. Peoples Bank of Macon has $19.34 million in assets with $2.87 million in equity, resulting in a capitalization level of 14.86%, which is excellent. |
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