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Peoples Bank

Overland Park, KS · Cert 33960

FDIC

Q3 2002

$158.6MAssets
$134.7MLoans
$135.2MDeposits
$12.2MEquity
Loan mix
68%RE $41.1M31%C&I $18.9M0%Consumer $0.0MQ3 2001Q3 2002
Deposit mix
81%Interest-bearing $109.2M19%Noninterest $26.0MQ3 2001Q3 2002

NIM

8.30%Q1 ’017.52%Q3 ’018.53%Q3 ’02-1%+65%

Non-interest income vs. expense

5.48%Q1 ’014.40%Q3 ’015.72%Q3 ’02-13%+34%

Executive Summary

  • Earnings: ROA of 1.02%, up 109 bps year over year; NIM at 6.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Funding: loans stand at 99.64% of deposits as of Q3 2002.

Financial Results

Return on Assets (quarter, annualized)

1.02%+109 bps YoY

Net Interest Margin (quarter, annualized)

6.15%+243 bps YoY

Efficiency Ratio (quarter, annualized)

82.30%-1,770 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets-0.07%-2.55%0.20%0.79%11.02%+109 bps
Return on Equity-0.87%-32.93%2.57%10.25%13.16%+1,403 bps
Net Interest Margin3.72%3.62%3.75%3.78%6.15%+243 bps
Efficiency Ratio100.00%108.00%91.63%91.12%82.30%-1,770 bps
Non-Interest Burden3.72%3.95%3.43%3.44%4.99%+127 bps
Growth
Asset Growth (YoY)4.35%4.81%2.68%3.17%9.21%+486 bps
Loan Growth (YoY)-5.70%4.40%12.01%22.10%27.84%+3,354 bps
Deposit Growth (YoY)4.46%1.72%-2.19%-1.68%1.72%-274 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%1.31%-0.26%0.60%-0.05%-7 bps
Allowance / Loans1.40%1.78%1.77%1.55%1.48%+8 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 Capital10.55%10.56%10.27%10.31%10.27%-28 bps
Equity / Assets7.67%7.84%7.66%7.79%7.71%+4 bps
Liquidity & Funding
Loans / Deposits79.28%84.12%87.19%92.48%99.64%+2,036 bps
Liquid Assets / Assets0.02%0.04%0.06%0.05%0.04%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a