PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peoples Bank&Trust Co.

Mount Vernon, IN · Cert 12852

FDIC

Q3 1997

$114.4MAssets
$79.8MLoans
$86.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.69%, up 24 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 92.62% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

1.69%+24 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.68%1.42%1.46%1.45%1.80%1.59%1.66%1.69%+24 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-2.63%-3.85%0.41%1.31%0.38%-5.83%-4.43%-1.85%-316 bps
Loan Growth (YoY)1.76%2.42%4.84%7.38%3.61%-1.57%-0.20%2.68%-470 bps
Deposit Growth (YoY)-3.06%-3.92%-0.42%-2.01%3.83%2.20%-2.92%-4.04%-203 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 / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
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 Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits81.94%84.11%81.37%86.56%81.76%81.00%83.65%92.62%+607 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a