Peoples State Bank of Commerce

Peoples State Bank of Commerce is headquartered in Nolensville and is the 91^st largest bank in the state of Tennessee. It is also the 3,014^st largest bank in the nation. It was established in 1916 and as of March of 2012, it had grown to 62 employees at 9 locations. Peoples State Bank of Commerce has a 2-star health rating.

Peoples State Bank of Commerce Routing Number: 064109073

Data for Q1 2012

Institution Statistics Peoples State Bank of Commerce FDIC Certificate # 1701 BankRate Report View Year Established 1916 Employees 62 Primary Regulator FDIC Assets and Liabilities Assets $208.81 million Loans $126.06 million Deposits $195.58 million Equity Capital $12.81 million Loan Loss Allowance $2.66 million Unbacked Noncurrent Loans $6.58 million Real Estate Owned $5.75 million Historic Data - March 2011 Assets $253.84 million Equity Capital $29.53 million Loan Loss Allowance $3.65 million Unbacked Noncurrent Loans $2.05 million Real Estate Owned $5.71 million Profit Margin - Quarterly Net Interest Margin 4.24% Return on Assets 0.14% Return on Equity 2.28% Interest Income $2.39 million

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 State Bank of Commerce had $12.33 million in non-current loans and owned real-estate with $15.47 million in equity and loan loss allowances on hand to cover it. This gives Peoples State Bank of Commerce a Texas Ratio of 79.68% 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 State Bank of Commerce increased slightly from 23.39% as of March 31, 2011 to 79.68% as of March 31, 2012, resulting in a negative change of 240.68%. This indicates that the balance sheet and financial strength for Peoples State Bank of Commerce has declined slightly in recent periods. Deposit Growth In the past year, Peoples State Bank of Commerce has decreased its total deposits by -$15.13 million, resulting in -7.18% 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 State Bank of Commerce 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 State Bank of Commerce has $208.81 million in assets with $15.47 million in equity, resulting in a capitalization level of 7.41%, which is below average.

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