Peoples Trust Bank Company

Corydon, IN · Cert 33916

FDIC

Q2 2001

$130.4MAssets

$77.8MLoans

$87.7MDeposits

$8.6MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.98%, up 63 bps year over year; NIM at 3.76%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
Funding: loans stand at 88.69% of deposits as of Q2 2001.

Return on Assets (quarter, annualized)

0.98%+63 bps YoY

Net Interest Margin (quarter, annualized)

3.76%

Efficiency Ratio (quarter, annualized)

61.31%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	0.27%	0.31%	0.34%	0.35%	0.35%	0.47%	0.75%	0.98%	+63 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	13.97%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	3.18%	3.76%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	64.75%	61.31%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	1.77%	1.95%	n/a
Growth
Asset Growth (YoY)	23.19%	32.49%	29.84%	22.65%	28.67%	22.99%	12.06%	30.78%	+813 bps
Loan Growth (YoY)	6.76%	10.02%	11.66%	21.50%	23.61%	26.50%	29.89%	35.37%	+1,387 bps
Deposit Growth (YoY)	15.98%	21.57%	10.88%	10.98%	17.13%	20.59%	15.66%	20.70%	+971 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	n/a	n/a	n/a	n/a	n/a	n/a	0.01%	0.04%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	1.22%	1.22%	n/a
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	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	13.90%	12.45%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	7.44%	6.62%	n/a
Liquidity & Funding
Loans / Deposits	79.90%	77.44%	79.99%	79.08%	84.32%	81.24%	89.83%	88.69%	+961 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.14%	1.72%	+172 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a