PackageTrendsPeer
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Planters Bank and Trust Company of Virginia

Staunton, VA · Cert 20786

FDIC

Q1 2008

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: Q1 2008, the quarter ended March 31, 2008, 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

Planters Bank and Trust Company of Virginia

Staunton, VA · Cert 20786

FDIC

Q1 2008

$827.2MAssets
$670.2MLoans
$618.3MDeposits
$102.3MEquity
Loan mix
89%RE $473.8M11%C&I $60.4M0%Consumer $0.6MQ1 2007Q1 2008
Deposit mix
81%Interest-bearing $503.9M19%Noninterest $114.4MQ1 2007Q1 2008

NIM

5.79%Q1 ’066.26%Q1 ’075.86%Q1 ’08-3%-7%

Non-interest income vs. expense

2.56%Q1 ’062.79%Q1 ’072.58%Q1 ’08+11%-15%

Executive Summary

  • Earnings: ROA of 1.13%, down 1 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 108.40% of deposits as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

1.13%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.59%-27 bps YoY

Efficiency Ratio (YTD, annualized)

57.90%-274 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets1.13%1.19%1.23%1.32%1.13%-1 bps
Return on Equity10.01%10.50%10.63%11.28%9.12%-89 bps
Net Interest Margin3.86%4.11%4.18%4.11%3.59%-27 bps
Efficiency Ratio60.65%60.53%60.50%58.14%57.90%-274 bps
Non-Interest Burden2.17%2.30%2.33%2.12%1.85%-32 bps
Growth
Asset Growth (YoY)1.18%-0.76%-3.04%-4.99%-2.41%-359 bps
Loan Growth (YoY)2.44%-1.19%-1.82%-1.52%-4.28%-672 bps
Deposit Growth (YoY)3.10%-1.49%-7.47%-15.71%-13.00%-1,609 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.05%0.04%0.02%0.08%-1 bps
Allowance / Loans1.25%1.28%1.25%1.24%1.28%+3 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 Capital11.70%11.75%12.14%12.49%12.58%+88 bps
Equity / Assets11.72%11.50%12.24%12.33%12.37%+65 bps
Liquidity & Funding
Loans / Deposits98.52%98.91%104.63%109.45%108.40%+987 bps
Liquid Assets / Assets0.42%0.34%0.35%0.34%0.35%-7 bps
CRE / Total Capitaln/an/an/an/an/an/an/a