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Peoples Savings Bank

Crawfordsville, IA · Cert 225

FDIC · 2 branches

Q2 2022

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 2022, the quarter ended June 30, 2022, 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 Savings Bank

Crawfordsville, IA · Cert 225

FDIC · 2 branches

Q2 2022

$42.7MAssets
$10.9MLoans
$40.5MDeposits
$2.1MEquity
Loan mix
75%RE $6.8M22%C&I $2.0M4%Consumer $0.3MQ2 2021Q2 2022
Deposit mix
76%Interest-bearing $30.7M24%Noninterest $9.9MQ2 2021Q2 2022

NIM

3.39%Q2 ’202.48%Q2 ’212.58%Q2 ’22-25%+8%

Non-interest income vs. expense

1.99%Q2 ’201.84%Q2 ’211.77%Q2 ’22-44%+41%

Market Position · Iowa City, IA · 2022 SOD (annual) · 0.4% share · #18 of 20 inst. · $0.0B of $5.8B

2.4% Washington
3.7% Henry

Executive Summary

  • Earnings: ROA of 0.74%, down 54 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.00% of loans (-11 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.60%, down 30 bps from a year ago.
  • Funding: loans stand at 26.89% of deposits as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

0.74%-54 bps YoY

Net Interest Margin (YTD, annualized)

2.38%+17 bps YoY

Efficiency Ratio (YTD, annualized)

66.49%+512 bps YoY

Tier 1 Leverage Ratio

8.60%-30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets1.28%1.06%0.96%0.63%0.74%-54 bps
Return on Equity12.55%10.65%9.91%8.05%10.79%-176 bps
Net Interest Margin2.21%2.26%2.48%2.37%2.38%+17 bps
Efficiency Ratio61.37%64.90%65.59%67.18%66.49%+512 bps
Non-Interest Burden1.05%1.27%1.59%1.55%1.49%+43 bps
Growth
Asset Growth (YoY)10.08%13.73%6.79%-0.21%8.85%-123 bps
Loan Growth (YoY)11.92%13.19%1.06%-3.60%-10.49%-2,241 bps
Deposit Growth (YoY)10.55%15.58%9.21%3.61%16.35%+580 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.12%0.00%0.00%0.00%-11 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.27%2.29%2.41%2.30%2.53%+27 bps
Allowance Coverage of NPLs19.7x19.7xn/an/an/an/a
Capital
Tier 1 Leverage Ratio8.90%8.72%8.21%8.85%8.60%-30 bps
Total Risk-Based Capital8.90%8.72%8.21%8.85%12.04%+314 bps
Equity / Assets10.48%9.02%8.72%6.89%4.95%-553 bps
Liquidity & Funding
Loans / Deposits34.95%32.24%28.88%32.26%26.89%-806 bps
Liquid Assets / Assets13.78%14.28%10.54%2.13%8.25%-554 bps
CRE / Total Capitaln/an/an/an/an/an/an/a