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Peoples National Bank

Washington, IN · Cert 4417

FDIC

Q2 2006

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 2006, the quarter ended June 30, 2006, 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 National Bank

Washington, IN · Cert 4417

FDIC

Q2 2006

$195.4MAssets
$125.4MLoans
$157.5MDeposits
$15.3MEquity
Loan mix
69%RE $47.2M31%C&I $21.2M0%Consumer $0.0MQ2 2005Q2 2006
Deposit mix
83%Interest-bearing $131.4M17%Noninterest $26.1MQ2 2005Q2 2006

NIM

5.25%Q2 ’045.26%Q2 ’055.72%Q2 ’06-2%-8%

Non-interest income vs. expense

1.98%Q2 ’041.96%Q2 ’051.93%Q2 ’06-4%-3%

Executive Summary

  • Earnings: ROA of 1.47%, down 16 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 79.62% of deposits as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

1.47%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.39%-30 bps YoY

Efficiency Ratio (YTD, annualized)

47.72%+253 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets1.63%1.54%1.57%1.56%1.47%-16 bps
Return on Equity19.17%18.36%18.79%19.42%18.41%-76 bps
Net Interest Margin3.69%3.57%3.51%3.56%3.39%-30 bps
Efficiency Ratio45.18%46.20%47.51%46.00%47.72%+253 bps
Non-Interest Burden1.32%1.32%1.34%1.27%1.28%-4 bps
Growth
Asset Growth (YoY)-1.90%-0.21%0.78%4.14%4.49%+640 bps
Loan Growth (YoY)-1.81%0.49%3.30%1.21%4.67%+648 bps
Deposit Growth (YoY)-4.34%-6.95%-4.31%1.88%8.26%+1,259 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.09%0.08%0.28%0.36%0.17%+26 bps
Allowance / Loans1.32%1.22%0.83%0.79%0.78%-54 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 Capital12.03%11.57%11.47%11.71%11.24%-79 bps
Equity / Assets8.34%8.09%8.10%7.98%7.83%-51 bps
Liquidity & Funding
Loans / Deposits82.35%85.08%79.75%76.69%79.62%-273 bps
Liquid Assets / Assets1.77%1.85%1.90%1.11%0.93%-84 bps
CRE / Total Capitaln/an/an/an/an/an/an/a