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Letter portraitLegal landscapeQuarterYTD

Peoples State Bank, The

Hodgenville, KY · Cert 22799

FDIC

Q1 2003

$68.7MAssets
$49.3MLoans
$49.4MDeposits
$5.1MEquity
Deposit mix
88%Interest-bearing $43.7M12%Noninterest $5.7MQ1 2002Q1 2003

NIM

8.45%Q1 ’017.50%Q1 ’026.59%Q1 ’03+10%-3%

Non-interest income vs. expense

2.42%Q1 ’012.70%Q1 ’023.30%Q1 ’03+13%+26%

Executive Summary

  • Earnings: ROA of 0.70%, down 36 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.21%.
  • Funding: loans stand at 99.81% of deposits as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

0.70%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.42%-9 bps YoY

Efficiency Ratio (YTD, annualized)

82.41%+1,848 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets1.06%0.29%0.11%0.43%0.70%-36 bps
Return on Equity16.60%4.47%1.61%6.38%9.50%-711 bps
Net Interest Margin3.52%3.46%3.63%3.73%3.42%-9 bps
Efficiency Ratio63.93%66.90%71.71%72.22%82.41%+1,848 bps
Non-Interest Burden2.16%2.22%2.58%2.54%2.72%+56 bps
Growth
Asset Growth (YoY)31.69%18.13%-11.06%-10.89%-11.02%-4,271 bps
Loan Growth (YoY)27.09%16.82%-0.82%-8.56%-17.71%-4,480 bps
Deposit Growth (YoY)41.71%29.51%-12.51%-14.50%-14.83%-5,654 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.35%1.84%1.74%1.51%-0.21%-56 bps
Allowance / Loans3.07%2.82%2.82%2.86%3.14%+8 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 Capital9.60%9.46%9.97%10.07%10.66%+106 bps
Equity / Assets6.36%6.75%7.10%7.32%7.43%+107 bps
Liquidity & Funding
Loans / Deposits103.30%105.53%111.79%106.02%99.81%-350 bps
Liquid Assets / Assets6.40%6.41%8.02%5.09%5.06%-133 bps
CRE / Total Capitaln/an/an/an/an/an/an/a