PackageTrendsPeer
Letter portraitLegal landscape

Peoples National Bank & Trust

Ottawa, KS · Cert 4751

FDIC · 12 branches

Q4 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: Q4 2017, the quarter ended December 31, 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 National Bank & Trust

Ottawa, KS · Cert 4751

FDIC · 12 branches

Q4 2017

$473.3MAssets
$305.0MLoans
$421.4MDeposits
$45.2MEquity
Loan mix
84%RE $201.2M15%C&I $35.7M1%Consumer $1.6MQ4 2016Q4 2017
Deposit mix
69%Interest-bearing $289.5M31%Noninterest $131.9MQ4 2016Q4 2017

NIM

4.34%Q4 ’154.12%Q4 ’164.13%Q4 ’17-6%+1%

Non-interest income vs. expense

20.32%Q4 ’1519.97%Q4 ’1617.27%Q4 ’17+1292%+4165%

Market Position · Kansas City, MO-KS · 2017 SOD (annual) · 0.2% share · #55 of 126 inst. · $0.1B of $55.7B

30.5% Taos
17.6% Franklin
0.4% Johnson
2.3% Douglas

Executive Summary

  • Earnings: ROA of 0.38%, down 204 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.39% of loans (+39 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.53%, down 119 bps from a year ago.
  • Funding: loans stand at 72.37% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.38%-204 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+3 bps YoY

Efficiency Ratio (YTD, annualized)

94.05%+1,059 bps YoY

Tier 1 Leverage Ratio

9.53%-119 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets2.42%1.13%1.51%1.36%0.38%-204 bps
Return on Equity23.53%10.65%14.39%12.99%3.73%-1,980 bps
Net Interest Margin4.03%3.92%4.00%4.05%4.06%+3 bps
Efficiency Ratio83.47%90.58%88.18%89.31%94.05%+1,059 bps
Non-Interest Burden0.07%2.01%1.48%1.82%2.97%+290 bps
Growth
Asset Growth (YoY)5.22%2.52%-4.52%-4.71%-0.46%-568 bps
Loan Growth (YoY)-3.10%-9.84%-11.64%-8.05%-15.35%-1,226 bps
Deposit Growth (YoY)6.22%8.58%7.27%3.17%1.10%-512 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.41%0.24%0.21%0.39%+39 bps
Net Charge-Offs / Loans-0.14%0.20%0.08%0.03%0.03%+17 bps
Allowance / Loans1.31%1.29%1.16%1.16%1.51%+21 bps
Allowance Coverage of NPLsn/a3.2x4.7x5.6x3.9xn/a
Capital
Tier 1 Leverage Ratio10.71%10.73%10.90%10.77%9.53%-119 bps
Total Risk-Based Capital16.09%15.92%15.18%15.20%14.77%-132 bps
Equity / Assets11.04%10.17%10.20%10.51%9.56%-148 bps
Liquidity & Funding
Loans / Deposits86.44%82.21%92.44%93.34%72.37%-1,407 bps
Liquid Assets / Assets4.30%7.08%3.09%1.41%16.66%+1,236 bps
CRE / Total Capitaln/an/an/an/an/an/an/a