PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peoples State Bank of Mansfield

Mansfield, IL · Cert 10834

FDIC

Q2 2006

$139.7MAssets
$54.6MLoans
$114.3MDeposits
$24.3MEquity
Deposit mix
84%Interest-bearing $96.2M16%Noninterest $18.1MQ2 2005Q2 2006

NIM

4.66%Q2 ’044.84%Q2 ’05-1.02%Q2 ’06+3%-119%

Non-interest income vs. expense

2.12%Q2 ’042.21%Q2 ’05-0.75%Q2 ’06+5%-133%

Executive Summary

  • Earnings: ROA of -0.11%, down 112 bps year over year; NIM at -0.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 47.73% of deposits as of Q2 2006.

Financial Results

Return on Assets (quarter, annualized)

-0.11%-112 bps YoY

Net Interest Margin (quarter, annualized)

-0.63%-389 bps YoY

Efficiency Ratio (quarter, annualized)

46.63%-1,178 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets1.01%1.02%1.28%1.04%-0.11%-112 bps
Return on Equity8.57%8.42%10.50%8.44%-0.70%-927 bps
Net Interest Margin3.26%3.21%3.24%3.06%-0.63%-389 bps
Efficiency Ratio58.41%59.52%54.28%57.42%46.63%-1,178 bps
Non-Interest Burden1.68%1.68%1.52%1.53%-0.55%-223 bps
Growth
Asset Growth (YoY)4.54%-0.27%3.32%-1.75%12.78%+824 bps
Loan Growth (YoY)15.68%5.10%9.10%4.25%-6.82%-2,250 bps
Deposit Growth (YoY)4.14%-1.06%2.97%-2.82%5.23%+109 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.70%0.54%-0.08%0.10%+11 bps
Allowance / Loans2.62%2.53%2.28%2.43%2.61%-1 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 Capital23.81%24.68%23.98%25.31%19.69%-411 bps
Equity / Assets11.99%12.34%12.02%12.59%17.41%+542 bps
Liquidity & Funding
Loans / Deposits53.90%53.85%54.14%54.35%47.73%-618 bps
Liquid Assets / Assets34.09%34.04%31.13%31.37%0.19%-3,390 bps
CRE / Total Capitaln/an/an/an/an/an/an/a