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 $0.9MQ4 2005Q3 2007
Deposit mix
90%Interest-bearing $229.1M10%Noninterest $25.9MQ4 2005Q3 2007

Executive Summary

  • Earnings: ROA of 1.42%, up 18 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 65.91% of deposits as of Q3 2007.

Return on Assets (quarter, annualized)

1.42%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.16%-2 bps YoY

Efficiency Ratio (quarter, annualized)

51.92%-787 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.16%Q3 ’055.89%Q3 ’066.16%Q3 ’07+5%-1%

Non-interest income vs. expense

1.83%Q3 ’052.25%Q3 ’061.98%Q3 ’07+31%-21%

Discrete quarter, annualized.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.99%1.30%1.30%1.24%1.20%1.27%1.32%1.42%+18 bps
Return on Equity12.70%16.68%16.78%16.03%15.00%15.55%16.40%17.59%+156 bps
Net Interest Margin2.87%2.95%3.05%3.18%3.15%3.09%3.14%3.16%-2 bps
Efficiency Ratio68.39%55.71%57.03%59.79%61.71%56.39%55.72%51.92%-787 bps
Non-Interest Burden1.80%1.45%1.50%1.70%1.74%1.51%1.51%1.35%-35 bps
Growth
Asset Growth (YoY)6.51%6.30%2.73%0.37%-0.61%0.82%1.47%1.46%+109 bps
Loan Growth (YoY)3.97%6.72%13.01%12.87%11.62%5.91%3.12%0.53%-1,234 bps
Deposit Growth (YoY)3.11%5.62%0.76%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.03%0.10%0.04%0.07%0.79%-0.01%0.05%0 bps
Allowance / Loans1.68%1.60%1.50%1.46%1.44%1.26%1.23%1.23%-23 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital14.55%14.36%14.12%14.11%14.31%14.41%13.97%14.42%+31 bps
Equity / Assets7.75%7.80%7.65%7.85%8.20%8.14%7.98%8.18%+33 bps
Liquidity & Funding
Loans / Deposits60.24%61.66%66.18%67.65%67.74%64.40%66.40%65.91%-174 bps
Liquid Assets / Assets0.24%0.12%0.09%0.07%0.11%0.15%0.15%0.17%+10 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a