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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

7.37%Q4 ’014.68%Q4 ’025.15%Q4 ’03-49%+70%

Non-interest income vs. expense

3.05%Q4 ’013.52%Q4 ’023.06%Q4 ’03+55%-36%

Executive Summary

  • Earnings: ROA of 0.68%, up 240 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.56%.
  • Funding: loans stand at 70.36% of deposits as of Q4 2003.

Financial Results

Return on Assets (quarter, annualized)

0.68%+240 bps YoY

Net Interest Margin (quarter, annualized)

2.90%+119 bps YoY

Efficiency Ratio (quarter, annualized)

73.32%-7,010 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets-1.73%-2.58%-1.08%0.16%0.68%+240 bps
Return on Equity-22.43%-33.29%-14.55%2.34%10.00%+3,243 bps
Net Interest Margin1.71%1.73%2.14%2.63%2.90%+119 bps
Efficiency Ratio143.42%136.21%108.61%97.26%73.32%-7,010 bps
Non-Interest Burden2.78%2.57%2.41%2.54%1.78%-99 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 / Loans3.64%2.50%14.94%1.51%0.56%-308 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