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Peoples Bank, The

Clio, AL · Cert 18600

FDIC · 2 branches

Q4 2023

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: Q4 2023, the quarter ended December 31, 2023, 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, The

Clio, AL · Cert 18600

FDIC · 2 branches

Q4 2023

$112.2MAssets
$40.1MLoans
$91.3MDeposits
$7.7MEquity
Loan mix
61%RE $23.3M35%C&I $13.3M4%Consumer $1.7MQ4 2022Q4 2023
Deposit mix
83%Interest-bearing $76.0M17%Noninterest $15.3MQ4 2022Q4 2023

NIM

3.08%Q4 ’213.39%Q4 ’224.19%Q4 ’23+8%-25%

Non-interest income vs. expense

2.54%Q4 ’212.53%Q4 ’222.96%Q4 ’23+2%+1%

Market Position · Dothan, AL · 2023 SOD (annual) · 1.7% share · #17 of 19 inst. · $0.1B of $4.2B

2.1% Houston
4.1% Barbour

Executive Summary

  • Earnings: ROA of -0.32%, down 70 bps year over year; NIM at 2.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 9.36%, down 28 bps from a year ago.
  • Funding: loans stand at 43.91% of deposits as of Q4 2023.

Financial Results

Return on Assets (YTD, annualized)

-0.32%-70 bps YoY

Net Interest Margin (YTD, annualized)

2.04%-68 bps YoY

Efficiency Ratio (YTD, annualized)

115.62%+2,627 bps YoY

Tier 1 Leverage Ratio

9.36%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023YoY ΔTrend
Earnings
Return on Assets0.38%0.27%1-0.51%-0.69%-0.32%-70 bps
Return on Equity5.60%4.03%-7.61%-10.67%-4.92%-1,052 bps
Net Interest Margin2.72%2.59%2.32%2.12%2.04%-68 bps
Efficiency Ratio89.35%99.62%127.25%135.84%115.62%+2,627 bps
Non-Interest Burden2.42%2.58%2.98%2.91%2.44%+2 bps
Growth
Asset Growth (YoY)-4.13%-6.84%-1.44%-0.96%-3.05%+107 bps
Loan Growth (YoY)-17.96%-16.86%-9.04%-8.76%-9.43%+853 bps
Deposit Growth (YoY)-11.33%-13.83%-12.05%-3.53%-3.29%+803 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.09%-0.04%-0.04%-0.04%-0.04%+5 bps
Allowance / Loans1.35%1.24%1.22%1.28%1.37%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.64%9.72%9.41%9.15%9.36%-28 bps
Total Risk-Based Capital20.81%21.08%20.00%19.77%21.51%+69 bps
Equity / Assets6.61%7.02%6.51%5.76%6.83%+22 bps
Liquidity & Funding
Loans / Deposits46.88%46.76%48.79%45.23%43.91%-297 bps
Liquid Assets / Assets21.18%21.38%22.35%23.08%26.94%+577 bps
CRE / Total Capitaln/an/an/an/an/an/an/a