Peoples Community National Bank

Peoples Community National Bank is headquartered in Bremen and is the 213^st largest bank in the state of Georgia. It is also the 6,092^nd largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 23 employees at 2 locations. Peoples Community National Bank has a 2-star health rating.

Data for Q1 2012

Institution Statistics Peoples Community National Bank FDIC Certificate # 57686 BankRate Report View Year Established 2004 Employees 23 Primary Regulator OCC Assets and Liabilities Assets $59.16 million Loans $32.26 million Deposits $54.53 million Equity Capital $4.30 million Loan Loss Allowance $1.38 million Unbacked Noncurrent Loans $1.28 million Real Estate Owned $3.78 million Historic Data - March 2011 Assets $64.59 million Equity Capital $6.05 million Loan Loss Allowance $1.61 million Unbacked Noncurrent Loans $2.31 million Real Estate Owned $3.64 million Profit Margin - Quarterly Net Interest Margin 3.86% Return on Assets -3.12% Return on Equity -39.59% Interest Income $612,000

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 Peoples Community National Bank had $5.05 million in non-current loans and owned real-estate with $5.68 million in equity and loan loss allowances on hand to cover it. This gives Peoples Community National Bank a Texas Ratio of 88.98% 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 Community National Bank held steady from 77.63% as of March 31, 2011 to 88.98% as of March 31, 2012, resulting in a negative change of 14.61%. This indicates that the balance sheet and financial strength for Peoples Community National Bank has held steady in recent periods. Deposit Growth In the past year, Peoples Community National Bank has decreased its total deposits by -$2.84 million, resulting in -4.95% 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 Community National Bank 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. Peoples Community National Bank has $59.16 million in assets with $5.68 million in equity, resulting in a capitalization level of 9.60%, which is average.

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