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Peoples Trust Company

Linton, IN · Cert 13126

FDIC

Q3 2005

$99.8MAssets
$71.8MLoans
$83.6MDeposits
$15.1MEquity
Loan mix
86%RE $33.7M14%C&I $5.4M0%Consumer $0.0MQ3 2004Q3 2005
Deposit mix
82%Interest-bearing $68.8M18%Noninterest $14.9MQ3 2004Q3 2005

NIM

5.48%Q3 ’034.83%Q3 ’044.85%Q3 ’05+23%-4%

Non-interest income vs. expense

3.61%Q3 ’033.25%Q3 ’043.24%Q3 ’05-13%-18%

Executive Summary

  • Earnings: ROA of 1.18%, up 21 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.52%.
  • Funding: loans stand at 85.80% of deposits as of Q3 2005.

Financial Results

Return on Assets (quarter, annualized)

1.18%+21 bps YoY

Net Interest Margin (quarter, annualized)

3.84%-16 bps YoY

Efficiency Ratio (quarter, annualized)

58.68%-410 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.97%1.68%0.69%0.81%1.18%+21 bps
Return on Equity7.68%12.79%5.00%5.63%8.04%+35 bps
Net Interest Margin4.01%3.74%3.76%3.84%3.84%-16 bps
Efficiency Ratio62.78%46.90%70.83%65.60%58.68%-410 bps
Non-Interest Burden2.43%1.63%2.70%2.48%1.99%-44 bps
Growth
Asset Growth (YoY)0.29%-4.69%-10.24%-10.89%-16.70%-1,700 bps
Loan Growth (YoY)-5.40%-12.65%-10.21%-11.37%-12.22%-681 bps
Deposit Growth (YoY)0.21%-6.71%-15.52%-10.16%-15.19%-1,540 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.20%0.10%0.14%0.86%0.52%-68 bps
Allowance / Loans1.86%1.90%1.87%1.73%1.64%-22 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 Capital11.30%13.05%13.96%13.37%14.17%+286 bps
Equity / Assets12.72%13.48%14.32%14.30%15.15%+243 bps
Liquidity & Funding
Loans / Deposits82.90%80.77%85.27%86.23%85.80%+291 bps
Liquid Assets / Assets0.08%0.09%0.09%0.00%0.00%-8 bps
CRE / Total Capitaln/an/an/an/an/an/an/a