PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peoples Trust Bank Company

Corydon, IN · Cert 33916

FDIC

Q2 2001

$130.4MAssets
$77.8MLoans
$87.7MDeposits
$8.6MEquity
Loan mix
75%RE $36.9M24%C&I $11.8M0%Consumer $0.2MQ2 2000Q2 2001
Deposit mix
92%Interest-bearing $80.5M8%Noninterest $7.2MQ2 2000Q2 2001

NIM

7.71%Q1 ’017.62%Q2 ’01+8%

Non-interest income vs. expense

2.59%Q1 ’012.70%Q2 ’01+4%

Executive Summary

  • Earnings: ROA of 0.85%, up 50 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 88.69% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.85%+50 bps YoY

Net Interest Margin (YTD, annualized)

3.44%

Efficiency Ratio (YTD, annualized)

62.88%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.35%0.35%0.47%0.75%0.85%+50 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.18%3.44%n/a
Efficiency Ration/an/an/a64.75%62.88%n/a
Non-Interest Burdenn/an/an/a1.77%1.85%n/a
Growth
Asset Growth (YoY)22.65%28.67%22.99%12.06%30.78%+813 bps
Loan Growth (YoY)21.50%23.61%26.50%29.89%35.37%+1,387 bps
Deposit Growth (YoY)10.98%17.13%20.59%15.66%20.70%+971 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.01%0.02%n/a
Allowance / Loansn/an/an/a1.22%1.22%n/a
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 Capitaln/an/an/a13.90%12.45%n/a
Equity / Assetsn/an/an/a7.44%6.62%n/a
Liquidity & Funding
Loans / Deposits79.08%84.32%81.24%89.83%88.69%+961 bps
Liquid Assets / Assets0.00%0.00%0.00%1.14%1.72%+172 bps
CRE / Total Capitaln/an/an/an/an/an/an/a