PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peoples Bank

Paragould, AR · Cert 33500

FDIC

Q4 2003

$84.4MAssets
$51.1MLoans
$72.7MDeposits
$5.8MEquity
Deposit mix
96%Interest-bearing $69.6M4%Noninterest $3.1MQ4 2002Q4 2003

NIM

8.28%Q4 ’015.79%Q4 ’025.00%Q4 ’03-20%-4%

Non-interest income vs. expense

2.61%Q4 ’013.03%Q4 ’023.39%Q4 ’03-9%+20%

Executive Summary

  • Earnings: ROA of -0.77%, up 164 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.68%.
  • Funding: loans stand at 70.36% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

-0.77%+164 bps YoY

Net Interest Margin (YTD, annualized)

2.41%-9 bps YoY

Efficiency Ratio (YTD, annualized)

100.11%+1,408 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets-2.40%-2.58%-1.86%-1.22%-0.77%+164 bps
Return on Equity-34.32%-33.29%-24.85%-16.73%-10.61%+2,371 bps
Net Interest Margin2.51%1.73%1.99%2.28%2.41%-9 bps
Efficiency Ratio86.03%136.21%120.71%112.02%100.11%+1,408 bps
Non-Interest Burden2.01%2.57%2.58%2.66%2.42%+40 bps
Growth
Asset Growth (YoY)-12.20%-12.76%-17.21%-17.41%-14.00%-180 bps
Loan Growth (YoY)-32.42%-29.29%-27.52%-16.42%-9.15%+2,327 bps
Deposit Growth (YoY)-13.20%-12.25%-11.44%-10.92%-7.07%+613 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans7.47%2.50%8.81%5.89%4.68%-279 bps
Allowance / Loans5.29%6.69%4.05%3.47%3.42%-186 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 Capital12.77%13.24%11.60%10.85%11.46%-131 bps
Equity / Assets7.58%7.90%6.89%6.70%6.85%-73 bps
Liquidity & Funding
Loans / Deposits71.97%69.88%66.87%74.67%70.36%-161 bps
Liquid Assets / Assets0.25%0.12%0.13%0.13%0.12%-13 bps
CRE / Total Capitaln/an/an/an/an/an/an/a