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Peoples State Bank & Trust

Baxley, GA · Cert 19604

FDIC · 1 branch

Q2 2016

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 2016, the quarter ended June 30, 2016, 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 2026-10-10

Peoples State Bank & Trust

Baxley, GA · Cert 19604

FDIC · 1 branch

Q2 2016

$85.5MAssets
$52.4MLoans
$75.1MDeposits
$9.9MEquity
Loan mix
89%RE $29.4M7%C&I $2.4M4%Consumer $1.2MQ2 2015Q2 2016
Deposit mix
72%Interest-bearing $54.0M28%Noninterest $21.1MQ2 2015Q2 2016

NIM

4.90%Q2 ’144.65%Q2 ’154.18%Q2 ’16-5%-10%

Non-interest income vs. expense

3.80%Q2 ’143.74%Q2 ’153.81%Q2 ’16+4%-17%

Executive Summary

  • Earnings: ROA of 1.17%, unchanged from a year ago; NIM at 3.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 11.66%, down 11 bps from a year ago.
  • Funding: loans stand at 69.78% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

1.17%0 bps YoY

Net Interest Margin (YTD, annualized)

3.94%-45 bps YoY

Efficiency Ratio (YTD, annualized)

67.76%+63 bps YoY

Tier 1 Leverage Ratio

11.66%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets1.16%1.54%1.73%0.99%1.17%0 bps
Return on Equity10.04%13.08%14.73%8.52%10.04%0 bps
Net Interest Margin4.39%4.42%4.45%4.22%3.94%-45 bps
Efficiency Ratio67.13%60.92%61.35%70.54%67.76%+63 bps
Non-Interest Burden2.56%2.00%2.04%2.64%2.13%-43 bps
Growth
Asset Growth (YoY)3.09%3.11%4.10%3.48%3.76%+67 bps
Loan Growth (YoY)0.50%-11.49%-11.20%-10.31%-7.91%-840 bps
Deposit Growth (YoY)2.40%2.63%3.42%4.66%5.38%+298 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.02%-0.02%-0.01%0.09%+11 bps
Allowance / Loans1.50%1.69%1.88%1.80%1.58%+8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.77%12.26%11.49%11.78%11.66%-11 bps
Total Risk-Based Capital16.01%18.36%18.05%18.24%17.25%+124 bps
Equity / Assets11.55%12.25%11.59%11.70%11.60%+5 bps
Liquidity & Funding
Loans / Deposits79.84%71.76%64.20%65.31%69.78%-1,007 bps
Liquid Assets / Assets18.62%24.93%31.45%29.96%26.44%+782 bps
CRE / Total Capitaln/an/an/an/an/an/an/a