Peoples State Bank & Trust

Peoples State Bank & Trust is headquartered in Baxley and is the 197^th largest bank in the state of Georgia. It is also the 5,574^th largest bank in the nation. It was established in 1966 and as of March of 2012, it had grown to 24 employees at 1 location. Peoples State Bank & Trust has a 3-star health rating.

Data for Q1 2012

Institution Statistics Peoples State Bank & Trust FDIC Certificate # 19604 BankRate Report View Year Established 1966 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $77.11 million Loans $48.94 million Deposits $67.16 million Equity Capital $9.52 million Loan Loss Allowance $916,000 Unbacked Noncurrent Loans $1.43 million Real Estate Owned $2.41 million Historic Data - March 2011 Assets $74.49 million Equity Capital $9.22 million Loan Loss Allowance $909,000 Unbacked Noncurrent Loans $128,000 Real Estate Owned $2.60 million Profit Margin - Quarterly Net Interest Margin 5.39% Return on Assets 1.08% Return on Equity 8.49% Interest Income $1.00 million

Institution Health Overall Score: 3 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 & Trust had $3.84 million in non-current loans and owned real-estate with $10.44 million in equity and loan loss allowances on hand to cover it. This gives Peoples State Bank & Trust a Texas Ratio of 36.76% 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 & Trust increased slightly from 26.94% as of March 31, 2011 to 36.76% as of March 31, 2012, resulting in a negative change of 36.48%. This indicates that the balance sheet and financial strength for Peoples State Bank & Trust has declined slightly in recent periods. Deposit Growth In the past year, Peoples State Bank & Trust has increased its total deposits by $2.85 million, resulting in 4.43% 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 & Trust 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 State Bank & Trust has $77.11 million in assets with $10.44 million in equity, resulting in a capitalization level of 13.54%, which is excellent.

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