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Letter portraitLegal landscapeQuarterYTD

Peoples Federal Savings Bank of Dekalb County

Auburn, IN · Cert 29789

FDIC · 16 branches

Q2 2015

$461.2MAssets
$228.6MLoans
$353.9MDeposits
$56.4MEquity
Loan mix
92%RE $187.9M7%C&I $13.6M2%Consumer $3.8MQ3 2013Q2 2015
Deposit mix
91%Interest-bearing $322.3M9%Noninterest $31.6MQ3 2013Q2 2015

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

Executive Summary

  • 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%

NIM

3.28%Q2 ’133.37%Q2 ’142.88%Q2 ’15+8%-16%

Non-interest income vs. expense

2.95%Q2 ’132.64%Q2 ’143.08%Q2 ’15-14%+20%

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.58%0.60%0.66%0.77%0.77%0.75%0.67%1.08%1+31 bps
Return on Equity4.79%5.02%5.60%6.46%6.49%6.36%5.64%9.00%+254 bps
Net Interest Margin2.60%2.65%2.76%2.72%2.70%2.56%2.55%2.29%-43 bps
Efficiency Ratio88.67%85.32%77.12%78.06%76.47%77.26%75.98%103.20%+2,514 bps
Non-Interest Burden2.23%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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.16%0.17%0.69%0.48%0.34%0.28%0.08%-0.01%-49 bps
Allowance / Loans1.00%0.95%0.83%0.86%0.86%0.83%0.84%0.87%+2 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/a11.02%11.40%n/a
Total Risk-Based Capital22.45%21.84%21.66%22.29%22.12%21.52%22.30%28.08%+579 bps
Equity / Assets12.04%11.69%11.79%12.09%11.91%11.61%12.07%12.24%+15 bps
Liquidity & Funding
Loans / Deposits65.07%65.78%65.82%65.71%64.50%63.12%63.45%64.60%-112 bps
Liquid Assets / Assets2.10%4.67%5.84%8.32%8.16%10.11%8.24%44.15%+3,584 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a