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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

4.22%Q2 ’113.32%Q2 ’123.20%Q2 ’13-20%-1%

Non-interest income vs. expense

3.79%Q2 ’113.36%Q2 ’125.23%Q2 ’13-12%+66%

Executive Summary

  • Earnings: ROA of -1.71%, down 299 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 54.10% of deposits as of Q2 2013.

Financial Results

Return on Assets (quarter, annualized)

-1.71%-299 bps YoY

Net Interest Margin (quarter, annualized)

2.74%-4 bps YoY

Efficiency Ratio (quarter, annualized)

173.91%+6,704 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets1.28%0.35%0.24%10.43%-1.71%-299 bps
Return on Equity12.37%3.20%2.22%3.88%-15.94%-2,831 bps
Net Interest Margin2.78%3.02%3.07%3.09%2.74%-4 bps
Efficiency Ratio106.86%93.05%101.84%86.42%173.91%+6,704 bps
Non-Interest Burden3.00%2.79%3.14%2.62%4.96%+197 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-0.02%0.10%1.10%-0.02%0.10%+12 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