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 $18.1MQ3 2004Q2 2006

Executive Summary

  • Earnings: ROA of 0.45%, down 63 bps year over year; NIM at 1.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 47.73% of deposits as of Q2 2006.

Return on Assets (YTD, annualized)

0.45%-63 bps YoY

Net Interest Margin (YTD, annualized)

1.11%-212 bps YoY

Efficiency Ratio (YTD, annualized)

40.47%-1,636 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.68%Q2 ’044.78%Q2 ’051.76%Q2 ’06+1%-66%

Non-interest income vs. expense

2.10%Q2 ’042.13%Q2 ’050.59%Q2 ’06+3%-73%

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets1.14%1.11%1.14%1.08%1.06%1.11%1.04%0.45%-63 bps
Return on Equity9.92%9.56%9.76%9.15%8.91%9.32%8.44%3.15%-600 bps
Net Interest Margin3.20%3.17%3.18%3.23%3.24%3.20%3.06%1.11%-212 bps
Efficiency Ratio56.07%55.49%55.23%56.83%57.72%56.86%57.42%40.47%-1,636 bps
Non-Interest Burden1.56%1.53%1.52%1.61%1.64%1.59%1.53%0.44%-117 bps
Growth
Asset Growth (YoY)2.71%3.06%4.43%4.54%-0.27%3.32%-1.75%12.78%+824 bps
Loan Growth (YoY)9.52%11.98%9.75%15.68%5.10%9.10%4.25%-6.82%-2,250 bps
Deposit Growth (YoY)2.21%2.51%4.25%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.16%-0.01%-0.01%0.23%0.30%-0.08%0.01%+2 bps
Allowance / Loans2.71%2.66%2.70%2.62%2.53%2.28%2.43%2.61%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital23.70%23.75%24.11%23.81%24.68%23.98%25.31%19.69%-411 bps
Equity / Assets11.67%11.71%11.65%11.99%12.34%12.02%12.59%17.41%+542 bps
Liquidity & Funding
Loans / Deposits50.69%51.10%50.67%53.90%53.85%54.14%54.35%47.73%-618 bps
Liquid Assets / Assets34.34%34.58%34.34%34.09%34.04%31.13%31.37%0.19%-3,390 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a