Peoples Southern Bank

Peoples Southern Bank is headquartered in Clanton and is the 79^th largest bank in the state of Alabama. It is also the 3,883^rd largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 51 employees at 3 locations. Peoples Southern Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Peoples Southern Bank FDIC Certificate # 850 BankRate Report View Year Established 1901 Employees 51 Primary Regulator FED Assets and Liabilities Assets $149.38 million Loans $50.76 million Deposits $126.13 million Equity Capital $23.04 million Loan Loss Allowance $1.29 million Unbacked Noncurrent Loans $1.32 million Historic Data - March 2011 Assets $146.56 million Equity Capital $22.06 million Loan Loss Allowance $1.44 million Unbacked Noncurrent Loans $645,000 Real Estate Owned $87,000 Profit Margin - Quarterly Net Interest Margin 2.93% Return on Assets 0.95% Return on Equity 6.18% Interest Income $1.11 million

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 Southern Bank had $1.32 million in non-current loans and owned real-estate with $24.33 million in equity and loan loss allowances on hand to cover it. This gives Peoples Southern Bank a Texas Ratio of 5.44% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Peoples Southern Bank held steady from 3.12% as of March 31, 2011 to 5.44% as of March 31, 2012, resulting in a negative change of 74.56%. This indicates that the balance sheet and financial strength for Peoples Southern Bank has held steady in recent periods. Deposit Growth In the past year, Peoples Southern Bank has increased its total deposits by $1.86 million, resulting in 1.49% 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 Southern Bank 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 Southern Bank has $149.38 million in assets with $24.33 million in equity, resulting in a capitalization level of 16.29%, which is excellent.

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