Peoples Federal Savings Bank of Dekalb County

Auburn, IN · Cert 29789

FDIC · 16 branches

Q2 2015

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 2015, the quarter ended June 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Auburn, IN · Cert 29789

FDIC · 16 branches

Q2 2015

$461.2MAssets

$228.6MLoans

$353.9MDeposits

$56.4MEquity

Loan mix

Deposit mix

Market Position · Fort Wayne, IN · 2015 SOD (annual) · 0.6% share · #17 of 24 inst. · $0.0B of $6.9B

30.8% DeKalb

8.4% Noble

9.8% Whitley

5.9% St. Joseph

Earnings: ROA of 1.08%, up 31 bps year over year; NIM at 2.29%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
Capital: tier 1 leverage ratio of 11.40%.
Funding: loans stand at 64.60% of deposits as of Q2 2015.

Return on Assets (YTD, annualized)

1.08%¹+31 bps YoY

Net Interest Margin (YTD, annualized)

2.29%-43 bps YoY

Efficiency Ratio (YTD, annualized)

103.20%+2,514 bps YoY

Tier 1 Leverage Ratio

11.40%

Year to date, annualized, through each quarter.

Metric	Q3 2013	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	Q1 2015	Q2 2015	YoY Δ	Trend
Earnings
Return on Assets	0.58%	0.60%	0.66%	0.77%	0.77%	0.75%	0.67%	1.08%¹	+31 bps
Return on Equity	4.79%	5.02%	5.60%	6.46%	6.49%	6.36%	5.64%	9.00%	+254 bps
Net Interest Margin	2.60%	2.65%	2.76%	2.72%	2.70%	2.56%	2.55%	2.29%	-43 bps
Efficiency Ratio	88.67%	85.32%	77.12%	78.06%	76.47%	77.26%	75.98%	103.20%	+2,514 bps
Non-Interest Burden	2.23%	2.16%	1.98%	1.98%	1.91%	1.84%	1.74%	2.37%	+39 bps
Growth
Asset Growth (YoY)	-6.67%	-2.71%	-0.41%	-0.48%	3.98%	4.27%	1.24%	-0.48%	0 bps
Loan Growth (YoY)	2.69%	1.24%	2.28%	-2.55%	0.20%	-0.09%	-2.58%	-1.05%	+150 bps
Deposit Growth (YoY)	-2.96%	-1.14%	-2.28%	-2.82%	1.09%	4.11%	1.06%	0.66%	+348 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.16%	0.17%	0.69%	0.48%	0.34%	0.28%	0.08%	-0.01%	-49 bps
Allowance / Loans	1.00%	0.95%	0.83%	0.86%	0.86%	0.83%	0.84%	0.87%	+2 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	11.02%	11.40%	n/a
Total Risk-Based Capital	22.45%	21.84%	21.66%	22.29%	22.12%	21.52%	22.30%	28.08%	+579 bps
Equity / Assets	12.04%	11.69%	11.79%	12.09%	11.91%	11.61%	12.07%	12.24%	+15 bps
Liquidity & Funding
Loans / Deposits	65.07%	65.78%	65.82%	65.71%	64.50%	63.12%	63.45%	64.60%	-112 bps
Liquid Assets / Assets	2.10%	4.67%	5.84%	8.32%	8.16%	10.11%	8.24%	44.15%	+3,584 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a