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Letter portraitLegal landscapeQuarterYTD

People's Community State Bank

Doniphan, MO · Cert 23115

FDIC

Q4 2013

$132.2MAssets
$83.6MLoans
$109.0MDeposits
$22.3MEquity
Loan mix
83%RE $42.9M9%C&I $4.9M8%Consumer $4.0MQ4 2012Q4 2013
Deposit mix
90%Interest-bearing $97.8M10%Noninterest $11.2MQ4 2012Q4 2013

NIM

5.48%Q4 ’115.11%Q4 ’124.35%Q4 ’13-4%-14%

Non-interest income vs. expense

2.57%Q4 ’113.15%Q4 ’122.43%Q4 ’13+35%-27%

Executive Summary

  • Earnings: ROA of 2.49%, up 19 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.22%.
  • Funding: loans stand at 76.74% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

2.49%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.88%-62 bps YoY

Efficiency Ratio (YTD, annualized)

49.69%-542 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets2.30%2.45%2.52%2.60%2.49%+19 bps
Return on Equity14.00%13.96%14.87%15.48%14.78%+77 bps
Net Interest Margin4.50%4.09%4.04%4.02%3.88%-62 bps
Efficiency Ratio55.11%50.06%49.08%47.40%49.69%-542 bps
Non-Interest Burden1.93%1.52%1.44%1.36%1.42%-51 bps
Growth
Asset Growth (YoY)-1.61%0.67%-0.38%2.66%5.83%+743 bps
Loan Growth (YoY)-6.26%-4.22%-5.14%-5.14%-2.64%+362 bps
Deposit Growth (YoY)0.30%-0.75%-0.84%2.61%6.83%+653 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.03%0.25%0.21%0.22%+21 bps
Allowance / Loans2.08%2.15%2.11%2.11%2.15%+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 Capital24.06%25.02%23.88%24.35%25.56%+150 bps
Equity / Assets17.61%17.52%15.78%16.39%16.84%-76 bps
Liquidity & Funding
Loans / Deposits84.20%80.67%77.72%78.07%76.74%-746 bps
Liquid Assets / Assets3.40%1.75%3.28%7.00%5.31%+190 bps
CRE / Total Capitaln/an/an/an/an/an/an/a