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People's Trust Company

Brookville, IN · Cert 5766

FDIC · 101 branches

Q1 2018

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: Q1 2018, the quarter ended March 31, 2018, 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

People's Trust Company

Brookville, IN · Cert 5766

FDIC · 101 branches

Q1 2018

$4.6BAssets
$3.0BLoans
$3.5BDeposits
$567.0MEquity
Loan mix
80%RE $1.8B17%C&I $0.4B3%Consumer $0.1BQ1 2017Q1 2018
Deposit mix
74%Interest-bearing $2.6B26%Noninterest $0.9BQ1 2017Q1 2018

NIM

3.38%Q1 ’163.47%Q1 ’173.66%Q1 ’18+3%+3%

Non-interest income vs. expense

2.86%Q1 ’162.68%Q1 ’172.99%Q1 ’18-8%+37%

Market Position · Louisville/Jefferson County, KY-IN · 2017 SOD (annual) · 2.4% share · #11 of 40 inst. · $0.6B of $26.9B

0.5% Hamilton
2.0% Jefferson
58.0% Decatur
13.9% Floyd

Executive Summary

  • Earnings: ROA of 1.16%, down 18 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.40% of loans (-37 bps YoY), with net charge-offs at 0.49%.
  • Capital: tier 1 leverage ratio of 9.64%, down 12 bps from a year ago.
  • Funding: loans stand at 87.05% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

1.16%-18 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+9 bps YoY

Efficiency Ratio (YTD, annualized)

66.86%+840 bps YoY

Tier 1 Leverage Ratio

9.64%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets1.34%1.17%1.23%1.32%1.16%-18 bps
Return on Equity11.03%9.52%10.01%10.72%9.29%-175 bps
Net Interest Margin3.32%3.24%3.21%3.26%3.41%+9 bps
Efficiency Ratio58.46%63.63%61.30%59.67%66.86%+840 bps
Non-Interest Burden1.38%1.59%1.49%1.46%1.90%+51 bps
Growth
Asset Growth (YoY)18.57%15.04%14.78%14.03%12.72%-585 bps
Loan Growth (YoY)20.94%18.49%17.92%15.28%15.02%-592 bps
Deposit Growth (YoY)18.93%13.17%9.81%13.03%9.18%-975 bps
Asset Quality
Nonperforming Loans / Loans0.77%0.64%0.68%0.53%0.40%-37 bps
Net Charge-Offs / Loans0.02%0.02%0.03%0.04%0.49%+47 bps
Allowance / Loans0.85%0.73%0.74%0.73%0.64%-21 bps
Allowance Coverage of NPLs1.1x1.1x1.1x1.4x1.6x+0.5x
Capital
Tier 1 Leverage Ratio9.76%9.92%9.55%9.63%9.64%-12 bps
Total Risk-Based Capital14.32%13.52%13.57%13.56%13.57%-75 bps
Equity / Assets12.20%12.46%12.51%12.44%12.44%+24 bps
Liquidity & Funding
Loans / Deposits82.64%85.97%88.98%87.06%87.05%+442 bps
Liquid Assets / Assets0.36%0.25%0.10%0.39%0.05%-31 bps
CRE / Total Capitaln/an/an/an/an/an/an/a