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Peoples Bank

Elkhorn, WI · Cert 35367

FDIC · 4 branches

Q2 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples Bank

Elkhorn, WI · Cert 35367

FDIC · 4 branches

Q2 2017

$226.6MAssets
$148.6MLoans
$195.8MDeposits
$21.9MEquity
Loan mix
96%RE $115.0M4%C&I $4.6M0%Consumer $0.5MQ2 2016Q2 2017
Deposit mix
72%Interest-bearing $140.4M28%Noninterest $55.4MQ2 2016Q2 2017

NIM

3.75%Q2 ’153.46%Q2 ’163.45%Q2 ’17-8%+0%

Non-interest income vs. expense

3.01%Q2 ’152.82%Q2 ’162.74%Q2 ’17-3%-10%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2017 SOD (annual) · 0.0% share · #172 of 196 inst. · $0.0B of $395.0B

8.8% Walworth
1.4% Kenosha
0.2% Racine

Executive Summary

  • Earnings: ROA of 0.64%, down 39 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 1.20% of loans (+120 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.66%, down 124 bps from a year ago.
  • Funding: loans stand at 75.92% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.64%-39 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+1 bps YoY

Efficiency Ratio (YTD, annualized)

71.94%-524 bps YoY

Tier 1 Leverage Ratio

9.66%-124 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets1.03%0.85%0.87%0.61%0.64%-39 bps
Return on Equity9.78%8.04%8.20%5.59%6.05%-373 bps
Net Interest Margin3.13%3.04%2.99%2.96%3.14%+1 bps
Efficiency Ratio77.18%77.26%73.42%72.48%71.94%-524 bps
Non-Interest Burden2.30%2.23%2.02%1.97%2.07%-23 bps
Growth
Asset Growth (YoY)6.73%6.15%3.45%2.08%-1.63%-837 bps
Loan Growth (YoY)-4.43%-0.64%-0.43%-4.82%-9.80%-537 bps
Deposit Growth (YoY)6.31%6.21%4.20%2.49%0.88%-543 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%1.17%1.20%+120 bps
Net Charge-Offs / Loans-0.09%-0.04%0.00%0.00%0.00%+9 bps
Allowance / Loans1.63%1.58%1.56%1.64%1.75%+12 bps
Allowance Coverage of NPLsn/an/an/a1.4x1.5xn/a
Capital
Tier 1 Leverage Ratio10.89%10.70%10.79%10.93%9.66%-124 bps
Total Risk-Based Capital17.21%16.90%16.99%17.90%15.84%-137 bps
Equity / Assets10.68%10.69%10.72%11.21%9.68%-100 bps
Liquidity & Funding
Loans / Deposits84.91%85.07%82.05%81.48%75.92%-899 bps
Liquid Assets / Assets21.81%19.63%21.10%24.27%23.34%+153 bps
CRE / Total Capitaln/an/an/an/an/an/an/a