PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peoples Bank and Trust Company

Mountain Home, AR · Cert 5622

FDIC

Q3 2007

$304.9MAssets
$168.1MLoans
$255.0MDeposits
$24.9MEquity
Loan mix
77%RE $111.7M23%C&I $33.2M1%Consumer $0.9MQ3 2006Q3 2007
Deposit mix
90%Interest-bearing $229.1M10%Noninterest $25.9MQ3 2006Q3 2007

NIM

4.91%Q3 ’055.54%Q3 ’066.00%Q3 ’07-1%+2%

Non-interest income vs. expense

1.83%Q3 ’052.07%Q3 ’062.04%Q3 ’07+15%-6%

Executive Summary

  • Earnings: ROA of 1.34%, up 6 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.27%.
  • Funding: loans stand at 65.91% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

1.34%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+7 bps YoY

Efficiency Ratio (YTD, annualized)

54.64%-294 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.28%1.26%1.27%1.30%1.34%+6 bps
Return on Equity16.48%16.10%15.55%16.03%16.51%+2 bps
Net Interest Margin3.04%3.11%3.09%3.09%3.11%+7 bps
Efficiency Ratio57.57%58.63%56.39%56.05%54.64%-294 bps
Non-Interest Burden1.54%1.61%1.51%1.50%1.44%-10 bps
Growth
Asset Growth (YoY)0.37%-0.61%0.82%1.47%1.46%+109 bps
Loan Growth (YoY)12.87%11.62%5.91%3.12%0.53%-1,234 bps
Deposit Growth (YoY)-2.91%-0.75%1.40%2.77%3.18%+609 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.06%0.79%0.38%0.27%+21 bps
Allowance / Loans1.46%1.44%1.26%1.23%1.23%-23 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 Capital14.11%14.31%14.41%13.97%14.42%+31 bps
Equity / Assets7.85%8.20%8.14%7.98%8.18%+33 bps
Liquidity & Funding
Loans / Deposits67.65%67.74%64.40%66.40%65.91%-174 bps
Liquid Assets / Assets0.07%0.11%0.15%0.15%0.17%+10 bps
CRE / Total Capitaln/an/an/an/an/an/an/a