PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peoples State Bank

Manito, IL · Cert 10436

FDIC

Q3 2006

$47.9MAssets
$36.0MLoans
$39.3MDeposits
$5.0MEquity
Deposit mix
90%Interest-bearing $35.5M10%Noninterest $3.8MQ3 2005Q3 2006

NIM

4.56%Q3 ’044.93%Q3 ’055.69%Q3 ’06-5%-1%

Non-interest income vs. expense

2.63%Q3 ’042.72%Q3 ’052.57%Q3 ’06+14%-6%

Executive Summary

  • Earnings: ROA of 1.10%, up 18 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 91.71% of deposits as of Q3 2006.

Financial Results

Return on Assets (quarter, annualized)

1.10%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.09%-2 bps YoY

Efficiency Ratio (quarter, annualized)

74.00%-363 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.92%0.93%0.85%0.56%1.10%+18 bps
Return on Equity9.85%10.07%8.88%5.69%10.84%+99 bps
Net Interest Margin3.11%3.09%3.03%3.05%3.09%-2 bps
Efficiency Ratio77.63%87.50%76.52%83.33%74.00%-363 bps
Non-Interest Burden2.32%2.67%2.19%2.49%2.19%-14 bps
Growth
Asset Growth (YoY)-3.75%-6.32%-1.45%-0.91%-8.05%-430 bps
Loan Growth (YoY)0.11%-3.84%0.55%1.10%2.89%+279 bps
Deposit Growth (YoY)-3.92%-8.71%-5.25%-3.84%-12.50%-858 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%-0.01%-1 bps
Allowance / Loans1.86%1.91%1.90%1.87%1.81%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.87%14.39%14.70%14.50%14.33%+47 bps
Equity / Assets9.24%9.31%9.85%9.88%10.40%+116 bps
Liquidity & Funding
Loans / Deposits77.99%76.96%80.41%84.31%91.71%+1,372 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a