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Peoples Bank, Tallassee, The

Tallassee, AL · Cert 17892

FDIC · 5 branches

Q2 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2019, the quarter ended June 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples Bank, Tallassee, The

Tallassee, AL · Cert 17892

FDIC · 5 branches

Q2 2019

$246.7MAssets
$172.4MLoans
$212.8MDeposits
$26.2MEquity
Loan mix
82%RE $118.3M15%C&I $21.0M4%Consumer $5.3MQ2 2018Q2 2019
Deposit mix
85%Interest-bearing $180.3M15%Noninterest $32.6MQ2 2018Q2 2019

NIM

4.07%Q2 ’174.60%Q2 ’184.68%Q2 ’19+10%-6%

Non-interest income vs. expense

2.21%Q2 ’172.23%Q2 ’181.97%Q2 ’19+5%-16%

Market Position · Montgomery, AL · 2019 SOD (annual) · 1.7% share · #11 of 25 inst. · $0.1B of $8.5B

13.4% Elmore
9.0% Tallapoosa
0.5% Montgomery
0.0% Jefferson

Executive Summary

  • Earnings: ROA of 1.04%, down 7 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.78% of loans (+19 bps YoY), with net charge-offs at 1.13%.
  • Capital: tier 1 leverage ratio of 10.53%, up 31 bps from a year ago.
  • Funding: loans stand at 80.98% of deposits as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

1.04%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.49%-22 bps YoY

Efficiency Ratio (YTD, annualized)

50.56%-413 bps YoY

Tier 1 Leverage Ratio

10.53%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets1.11%1.12%1.09%1.09%1.04%-7 bps
Return on Equity11.29%11.49%11.11%10.79%10.14%-115 bps
Net Interest Margin3.71%3.66%3.65%3.51%3.49%-22 bps
Efficiency Ratio54.69%53.82%54.93%48.20%50.56%-413 bps
Non-Interest Burden1.86%1.78%1.82%1.47%1.56%-30 bps
Growth
Asset Growth (YoY)8.60%11.71%7.09%7.20%3.47%-513 bps
Loan Growth (YoY)18.10%10.97%7.53%0.12%-5.85%-2,395 bps
Deposit Growth (YoY)7.66%15.66%9.53%9.51%3.91%-374 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.69%0.38%0.49%0.78%+19 bps
Net Charge-Offs / Loans0.34%0.52%0.43%1.22%1.13%+79 bps
Allowance / Loans1.24%1.16%1.27%1.20%1.23%-1 bps
Allowance Coverage of NPLs2.1x1.7x3.3x2.4x1.6x-0.5x
Capital
Tier 1 Leverage Ratio10.23%10.37%10.49%10.40%10.53%+31 bps
Total Risk-Based Capital12.13%12.46%12.95%13.23%13.62%+149 bps
Equity / Assets9.84%9.62%10.10%10.04%10.64%+80 bps
Liquidity & Funding
Loans / Deposits89.37%84.02%85.43%81.04%80.98%-840 bps
Liquid Assets / Assets5.19%9.30%8.28%10.81%10.22%+503 bps
CRE / Total Capitaln/an/an/an/an/an/an/a