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Peoples Bank and Trust Company of Pointe Coupee Parish

New Roads, LA · Cert 23090

FDIC · 4 branches

Q2 2023

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 2023, the quarter ended June 30, 2023, 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 Bank and Trust Company of Pointe Coupee Parish

New Roads, LA · Cert 23090

FDIC · 4 branches

Q2 2023

$319.7MAssets
$254.3MLoans
$251.7MDeposits
$62.3MEquity
Loan mix
90%RE $217.2M8%C&I $18.2M2%Consumer $4.7MQ2 2022Q2 2023
Deposit mix
69%Interest-bearing $173.5M31%Noninterest $78.2MQ2 2022Q2 2023

NIM

4.92%Q2 ’214.35%Q2 ’225.75%Q2 ’23-5%+29%

Non-interest income vs. expense

1.94%Q2 ’211.85%Q2 ’221.94%Q2 ’23-9%+9%

Market Position · Baton Rouge, LA · 2023 SOD (annual) · 1.0% share · #13 of 36 inst. · $0.3B of $26.5B

32.3% Pointe Coupee
0.3% East Baton Rouge

Executive Summary

  • Earnings: ROA of 1.89%, up 9 bps year over year; NIM at 4.97%.
  • Asset quality: problem loans at 4.66% of loans (+298 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 19.36%, up 397 bps from a year ago.
  • Funding: loans stand at 101.03% of deposits as of Q2 2023.

Financial Results

Return on Assets (YTD, annualized)

1.89%+9 bps YoY

Net Interest Margin (YTD, annualized)

4.97%+112 bps YoY

Efficiency Ratio (YTD, annualized)

36.99%-740 bps YoY

Tier 1 Leverage Ratio

19.36%+397 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets1.80%1.89%2.05%1.83%1.89%+9 bps
Return on Equity12.28%12.54%13.17%10.14%10.19%-209 bps
Net Interest Margin3.84%4.21%4.46%4.82%4.97%+112 bps
Efficiency Ratio44.39%44.14%43.05%36.16%36.99%-740 bps
Non-Interest Burden1.53%1.68%1.74%1.57%1.67%+14 bps
Growth
Asset Growth (YoY)-2.75%-7.99%-12.06%-14.53%-11.52%-877 bps
Loan Growth (YoY)-8.75%-6.82%-7.85%-6.75%-4.60%+416 bps
Deposit Growth (YoY)-3.63%-11.32%-14.59%-17.87%-14.62%-1,099 bps
Asset Quality
Nonperforming Loans / Loans1.68%0.72%1.42%2.88%4.66%+298 bps
Net Charge-Offs / Loans0.01%0.00%0.01%0.00%0.00%-1 bps
Allowance / Loans0.71%0.71%0.74%1.03%1.27%+56 bps
Allowance Coverage of NPLs0.4x1.0x0.5x0.4x0.3x-0.2x
Capital
Tier 1 Leverage Ratio15.38%16.78%17.45%18.64%19.36%+397 bps
Total Risk-Based Capital15.38%16.78%17.45%18.64%19.36%+397 bps
Equity / Assets15.60%16.54%17.57%18.59%19.48%+388 bps
Liquidity & Funding
Loans / Deposits90.41%94.92%93.98%98.30%101.03%+1,061 bps
Liquid Assets / Assets16.05%14.87%13.42%12.20%10.24%-581 bps
CRE / Total Capitaln/an/an/an/an/an/an/a