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Peoples Bank

Imboden, AR · Cert 20928

FDIC

Q1 2002

$69.7MAssets
$48.3MLoans
$63.9MDeposits
$5.1MEquity
Loan mix
64%RE $17.5M34%C&I $9.3M2%Consumer $0.7MQ1 2001Q1 2002
Deposit mix
89%Interest-bearing $57.0M11%Noninterest $6.9MQ1 2001Q1 2002

NIM

7.95%Q1 ’016.79%Q1 ’02+25%

Non-interest income vs. expense

2.37%Q1 ’012.03%Q1 ’02-8%

Executive Summary

  • Earnings: ROA of 1.35%, up 61 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.23%.
  • Funding: loans stand at 75.54% of deposits as of Q1 2002.

Financial Results

Return on Assets (quarter, annualized)

1.35%+61 bps YoY

Net Interest Margin (quarter, annualized)

4.06%+80 bps YoY

Efficiency Ratio (quarter, annualized)

44.49%-1,509 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets0.73%1.43%1.04%1.33%1.35%+61 bps
Return on Equityn/a19.95%13.77%16.39%17.29%n/a
Net Interest Margin3.26%3.63%3.89%4.44%4.06%+80 bps
Efficiency Ratio59.57%55.37%51.52%53.46%44.49%-1,509 bps
Non-Interest Burden1.65%1.79%1.75%2.02%1.52%-13 bps
Growth
Asset Growth (YoY)18.35%17.89%3.71%6.10%3.55%-1,480 bps
Loan Growth (YoY)23.14%19.83%14.22%9.60%6.09%-1,705 bps
Deposit Growth (YoY)14.76%14.59%6.38%7.86%6.16%-860 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.64%0.00%0.19%0.23%0.23%-41 bps
Allowance / Loans1.24%1.16%1.14%1.23%1.31%+7 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 Capital8.87%11.11%11.47%11.87%11.29%+242 bps
Equity / Assets7.17%7.19%7.95%8.32%7.26%+9 bps
Liquidity & Funding
Loans / Deposits75.59%78.95%84.72%79.63%75.54%-5 bps
Liquid Assets / Assets0.74%0.72%0.78%0.44%0.43%-31 bps
CRE / Total Capitaln/an/an/an/an/an/an/a