PackageTrendsPeer
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Peoples State Bank

Winfield, IA · Cert 13992

FDIC · 1 branch

Q3 2016

$28.0MAssets
$11.7MLoans
$25.0MDeposits
$3.0MEquity
Loan mix
70%RE $7.3M12%C&I $1.2M18%Consumer $1.8MQ4 2014Q3 2016
Deposit mix
81%Interest-bearing $20.3M19%Noninterest $4.7MQ4 2014Q3 2016

Executive Summary

  • Earnings: ROA of 0.24%, down 48 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.60%.
  • Capital: tier 1 leverage ratio of 9.54%, up 12 bps from a year ago.
  • Funding: loans stand at 46.95% of deposits as of Q3 2016.

Return on Assets (YTD, annualized)

0.24%-48 bps YoY

Net Interest Margin (YTD, annualized)

2.88%+27 bps YoY

Efficiency Ratio (YTD, annualized)

95.18%-409 bps YoY

Tier 1 Leverage Ratio

9.54%+12 bps YoY

NIM

3.37%Q3 ’143.05%Q3 ’153.24%Q3 ’16-7%+10%

Non-interest income vs. expense

2.69%Q3 ’142.52%Q3 ’152.94%Q3 ’16+7%+6%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.40%1.59%10.88%10.72%10.75%11.28%0.60%0.24%-48 bps
Return on Equity4.24%16.14%9.28%7.49%7.85%13.15%6.08%2.34%-516 bps
Net Interest Margin2.85%2.72%2.57%2.60%2.83%3.18%2.96%2.88%+27 bps
Efficiency Ratio89.04%130.66%107.02%99.27%89.87%73.06%83.95%95.18%-409 bps
Non-Interest Burden2.50%3.31%2.73%2.58%2.54%2.25%2.44%2.73%+14 bps
Growth
Asset Growth (YoY)-2.46%0.29%2.74%2.09%3.69%1.44%-3.24%-1.26%-336 bps
Loan Growth (YoY)5.12%4.74%8.62%2.94%12.44%5.89%0.23%-2.19%-513 bps
Deposit Growth (YoY)-0.30%-0.29%3.74%2.73%3.14%1.30%-4.88%-1.91%-464 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 / Loans0.41%0.17%0.33%0.24%0.30%-0.03%-0.02%0.60%+36 bps
Allowance / Loans1.12%1.17%1.03%1.03%0.91%0.97%1.09%0.68%-35 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a9.51%9.23%9.42%9.35%9.73%9.61%9.54%+12 bps
Total Risk-Based Capital19.44%19.53%18.58%20.55%18.79%20.68%20.61%21.58%+103 bps
Equity / Assets10.00%9.71%8.91%9.69%9.48%9.92%10.40%10.54%+84 bps
Liquidity & Funding
Loans / Deposits46.28%46.05%44.95%47.09%50.45%48.13%47.36%46.95%-13 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