The Peoples Bank of Talbotton

The Peoples Bank of Talbotton is headquartered in Talbotton and is the 227^th largest bank in the state of Georgia. It is also the 6,852^nd largest bank in the nation. It was established in 1891 and as of March of 2012, it had grown to 7 employees at 1 location. The Peoples Bank of Talbotton has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Peoples Bank of Talbotton FDIC Certificate # 170 BankRate Report View Year Established 1891 Employees 7 Primary Regulator FDIC Assets and Liabilities Assets $33.65 million Loans $15.37 million Deposits $29.31 million Equity Capital $4.29 million Loan Loss Allowance $322,000 Unbacked Noncurrent Loans $674,000 Real Estate Owned $101,000 Historic Data - March 2011 Assets $29.49 million Equity Capital $3.09 million Loan Loss Allowance $303,000 Unbacked Noncurrent Loans $431,000 Real Estate Owned $301,000 Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 1.86% Return on Equity 14.76% Interest Income $350,000

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 The Peoples Bank of Talbotton had $775,000 in non-current loans and owned real-estate with $4.61 million in equity and loan loss allowances on hand to cover it. This gives The Peoples Bank of Talbotton a Texas Ratio of 16.81% 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 The Peoples Bank of Talbotton decreased slightly from 21.57% as of March 31, 2011 to 16.81% as of March 31, 2012, resulting in a positive change of 22.04%.This indicates that the balance sheet and financial strength for The Peoples Bank of Talbotton has improved slightly in recent periods. Deposit Growth In the past year, The Peoples Bank of Talbotton has increased its total deposits by $2.94 million, resulting in 11.13% 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 The Peoples Bank of Talbotton 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. The Peoples Bank of Talbotton has $33.65 million in assets with $4.61 million in equity, resulting in a capitalization level of 13.70%, which is excellent.

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