PeoplesTrust Bank

PeoplesTrust Bank is headquartered in Hamilton and is the 109^th largest bank in the state of Alabama. It is also the 5,319^st largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 22 employees at 3 locations. PeoplesTrust Bank has a 4-star health rating.

PeoplesTrust Bank Routing Number: 062206473

Data for Q1 2012

Institution Statistics PeoplesTrust Bank FDIC Certificate # 57569 BankRate Report View Year Established 2004 Employees 22 Primary Regulator FDIC Assets and Liabilities Assets $86.16 million Loans $43.85 million Deposits $77.00 million Equity Capital $8.29 million Loan Loss Allowance $744,000 Unbacked Noncurrent Loans $1.23 million Real Estate Owned $251,000 Historic Data - March 2011 Assets $73.40 million Equity Capital $7.41 million Loan Loss Allowance $684,000 Unbacked Noncurrent Loans $1.99 million Real Estate Owned $34,000 Profit Margin - Quarterly Net Interest Margin 3.36% Return on Assets 0.86% Return on Equity 9.16% Interest Income $813,000

Institution Health Overall Score: 4 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 PeoplesTrust Bank had $1.48 million in non-current loans and owned real-estate with $9.03 million in equity and loan loss allowances on hand to cover it. This gives PeoplesTrust Bank a Texas Ratio of 16.35% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for PeoplesTrust Bank decreased slightly from 25.01% as of March 31, 2011 to 16.35% as of March 31, 2012, resulting in a positive change of 34.64%.This indicates that the balance sheet and financial strength for PeoplesTrust Bank has improved slightly in recent periods. Deposit Growth In the past year, PeoplesTrust Bank has increased its total deposits by $11.64 million, resulting in 17.8% 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 PeoplesTrust Bank has shown is excellent. 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. PeoplesTrust Bank has $86.16 million in assets with $9.03 million in equity, resulting in a capitalization level of 10.48%, which is above average.

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