Peoples Bank & Trust (GA)

Peoples Bank & Trust (GA) is headquartered in Buford and is the 50^th largest bank in the state of Georgia. It is also the 2,035^th largest bank in the nation. It was established in 1984 and as of March of 2012, it had grown to 56 employees at 5 locations. Peoples Bank & Trust (GA) has a 1-star health rating.

Data for Q1 2012

Institution Statistics Peoples Bank & Trust FDIC Certificate # 25795 BankRate Report View Year Established 1984 Employees 56 Primary Regulator FDIC Assets and Liabilities Assets $320.10 million Loans $183.19 million Deposits $307.60 million Equity Capital $10.27 million Loan Loss Allowance $3.33 million Unbacked Noncurrent Loans $10.92 million Real Estate Owned $48.75 million Historic Data - March 2011 Assets $342.51 million Equity Capital $10.75 million Loan Loss Allowance $4.30 million Unbacked Noncurrent Loans $11.53 million Real Estate Owned $46.31 million Profit Margin - Quarterly Net Interest Margin 3.11% Return on Assets 0.83% Return on Equity 25.4% Interest Income $3.00 million

Institution Health Overall Score: 1 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 & Trust (GA) had $59.66 million in non-current loans and owned real-estate with $13.6 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank & Trust (GA) a Texas Ratio of 438.84% 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 Peoples Bank & Trust (GA) held steady from 384.38% as of March 31, 2011 to 438.84% as of March 31, 2012, resulting in a negative change of 14.17%. This indicates that the balance sheet and financial strength for Peoples Bank & Trust (GA) has held steady in recent periods. Deposit Growth In the past year, Peoples Bank & Trust (GA) has decreased its total deposits by -$20.85 million, resulting in -6.35% 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 & Trust (GA) has shown is poor. 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 & Trust (GA) has $320.1 million in assets with $13.6 million in equity, resulting in a capitalization level of 4.25%, which is poor.

No reviews have been left for this bank yet. Be the first to review.