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Peoples Federal Savings and Loan Association

Sidney, OH · Cert 29703

FDIC · 3 branches

Q3 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: Q3 2022, the quarter ended September 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 2026-10-10

Peoples Federal Savings and Loan Association

Sidney, OH · Cert 29703

FDIC · 3 branches

Q3 2022

$130.6MAssets
$104.2MLoans
$115.5MDeposits
$13.5MEquity
Loan mix
92%RE $93.3M5%C&I $5.0M3%Consumer $2.6MQ3 2021Q3 2022
Deposit mix
92%Interest-bearing $106.8M8%Noninterest $8.7MQ3 2021Q3 2022

NIM

3.78%Q3 ’203.54%Q3 ’213.74%Q3 ’22+2%+9%

Non-interest income vs. expense

2.72%Q3 ’202.80%Q3 ’214.18%Q3 ’22+1%+55%

Executive Summary

  • Earnings: ROA of -1.60%, down 226 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.11% of loans (-34 bps YoY), with net recoveries of 0.24%.
  • Capital: tier 1 leverage ratio of 10.22%, down 225 bps from a year ago.
  • Funding: loans stand at 90.17% of deposits as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

-1.60%-226 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+30 bps YoY

Efficiency Ratio (YTD, annualized)

107.51%+2,972 bps YoY

Tier 1 Leverage Ratio

10.22%-225 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets0.65%0.70%0.96%0.85%-1.60%-226 bps
Return on Equity5.33%5.76%8.51%7.61%-14.61%-1,994 bps
Net Interest Margin3.34%3.19%3.21%3.23%3.64%+30 bps
Efficiency Ratio77.79%76.29%74.68%74.91%107.51%+2,972 bps
Non-Interest Burden2.54%2.37%2.33%2.36%3.93%+139 bps
Growth
Asset Growth (YoY)2.90%3.62%4.32%4.23%3.98%+109 bps
Loan Growth (YoY)7.08%8.41%9.53%6.22%7.55%+47 bps
Deposit Growth (YoY)4.06%5.42%6.00%6.10%6.61%+254 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.33%0.30%0.28%0.11%-34 bps
Net Charge-Offs / Loans0.00%0.00%-0.32%-0.16%-0.24%-24 bps
Allowance / Loans1.10%1.08%1.06%1.05%1.12%+2 bps
Allowance Coverage of NPLs2.5x3.3x3.6x3.7x10.2x+7.7x
Capital
Tier 1 Leverage Ratio12.47%11.36%11.36%11.37%10.22%-225 bps
Total Risk-Based Capital19.63%20.22%17.71%18.27%16.15%-348 bps
Equity / Assets12.39%11.54%11.05%10.97%10.37%-202 bps
Liquidity & Funding
Loans / Deposits89.39%87.46%85.49%86.90%90.17%+79 bps
Liquid Assets / Assets6.30%8.99%8.52%7.40%13.40%+710 bps
CRE / Total Capitaln/an/an/an/an/an/an/a