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Peoples Bank

Colleyville, TX · Cert 57362

FDIC

Q2 2013

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 2013, the quarter ended June 30, 2013, 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

Colleyville, TX · Cert 57362

FDIC

Q2 2013

$70.9MAssets
$32.6MLoans
$60.3MDeposits
$7.2MEquity
Loan mix
73%RE $22.1M25%C&I $7.4M2%Consumer $0.7MQ2 2012Q2 2013
Deposit mix
70%Interest-bearing $42.4M30%Noninterest $17.9MQ2 2012Q2 2013

NIM

4.52%Q2 ’113.42%Q2 ’123.33%Q2 ’13-23%-1%

Non-interest income vs. expense

4.05%Q2 ’113.42%Q2 ’124.07%Q2 ’13-8%+25%

Executive Summary

  • Earnings: ROA of -0.63%, down 150 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 54.10% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.63%-150 bps YoY

Net Interest Margin (YTD, annualized)

2.87%-1 bps YoY

Efficiency Ratio (YTD, annualized)

127.78%+2,411 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.87%0.70%0.58%0.43%-0.63%-150 bps
Return on Equity8.52%6.70%5.56%3.88%-5.86%-1,438 bps
Net Interest Margin2.88%2.98%3.04%3.09%2.87%-1 bps
Efficiency Ratio103.67%100.16%100.58%86.42%127.78%+2,411 bps
Non-Interest Burden3.00%2.99%3.06%2.62%3.75%+75 bps
Growth
Asset Growth (YoY)9.44%-2.34%-3.46%-2.18%-5.01%-1,445 bps
Loan Growth (YoY)-9.36%1.72%2.03%1.99%-7.40%+196 bps
Deposit Growth (YoY)11.01%-3.19%-4.32%-2.78%-4.42%-1,543 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.03%0.30%-0.02%0.04%+5 bps
Allowance / Loans2.02%1.98%1.69%1.70%1.84%-19 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 Capital22.99%22.42%22.27%23.00%23.89%+89 bps
Equity / Assets10.44%11.14%10.93%11.23%10.21%-22 bps
Liquidity & Funding
Loans / Deposits55.84%59.41%58.71%59.86%54.10%-174 bps
Liquid Assets / Assets31.80%22.46%21.86%21.32%26.47%-533 bps
CRE / Total Capitaln/an/an/an/an/an/an/a