PackageTrendsPeer
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Peoples Home Savings Bank

Beaver Falls, PA · Cert 27707

FDIC

Q4 2004

$328.3MAssets
$147.1MLoans
$235.4MDeposits
$38.2MEquity
Loan mix
93%RE $63.8M2%C&I $1.3M5%Consumer $3.3MQ1 2003Q4 2004
Deposit mix
87%Interest-bearing $204.6M13%Noninterest $30.8MQ1 2003Q4 2004

Executive Summary

  • Earnings: ROA of 0.50%, down 9 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.40%.
  • Funding: loans stand at 62.48% of deposits as of Q4 2004.

Return on Assets (YTD, annualized)

0.50%-9 bps YoY

Net Interest Margin (YTD, annualized)

2.55%-6 bps YoY

Efficiency Ratio (YTD, annualized)

81.17%+693 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.80%Q4 ’025.25%Q4 ’034.88%Q4 ’04-11%-2%

Non-interest income vs. expense

2.06%Q4 ’022.15%Q4 ’032.33%Q4 ’04+4%+8%

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets0.72%0.65%0.59%0.59%0.50%0.53%0.56%0.50%-9 bps
Return on Equity5.83%5.25%4.78%4.84%4.33%4.57%4.82%4.27%-57 bps
Net Interest Margin2.86%2.73%2.66%2.60%2.57%2.50%2.51%2.55%-6 bps
Efficiency Ratio69.43%71.36%74.11%74.24%79.96%78.41%79.59%81.17%+693 bps
Non-Interest Burden1.90%1.87%1.89%1.85%1.99%1.90%1.93%2.01%+15 bps
Growth
Asset Growth (YoY)5.17%-2.48%-1.63%-2.60%-1.28%0.71%-0.15%-0.90%+169 bps
Loan Growth (YoY)17.09%3.05%-3.09%-7.24%-10.30%-11.01%-5.70%-5.26%+198 bps
Deposit Growth (YoY)8.91%0.29%-0.97%-0.33%-0.38%1.57%1.98%1.04%+137 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.40%0.46%0.39%0.42%0.42%0.40%0.36%0.40%-3 bps
Allowance / Loans1.01%1.14%1.07%1.06%1.06%1.19%1.02%0.99%-7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital25.55%27.27%26.19%23.52%24.00%27.00%24.13%24.69%+117 bps
Equity / Assets11.97%12.64%11.94%11.41%11.60%11.82%11.62%11.65%+24 bps
Liquidity & Funding
Loans / Deposits70.69%68.10%69.13%66.63%63.64%59.67%63.93%62.48%-415 bps
Liquid Assets / Assets30.13%28.68%22.16%19.49%19.52%16.84%14.85%14.32%-517 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a