PackageTrendsPeer
Letter portraitLegal landscape

People's Bank and Trust Company of Clinton County

Albany, KY · Cert 58172

FDIC · 1 branch

Q2 2021

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 2021, the quarter ended June 30, 2021, 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 Bank and Trust Company of Clinton County

Albany, KY · Cert 58172

FDIC · 1 branch

Q2 2021

$48.5MAssets
$39.0MLoans
$42.7MDeposits
$5.1MEquity
Loan mix
46%RE $16.2M23%C&I $8.1M31%Consumer $11.2MQ2 2020Q2 2021
Deposit mix
72%Interest-bearing $30.9M28%Noninterest $11.8MQ2 2020Q2 2021

NIM

5.90%Q2 ’195.75%Q2 ’206.30%Q2 ’21-4%+26%

Non-interest income vs. expense

3.99%Q2 ’193.79%Q2 ’202.95%Q2 ’21-6%-27%

Executive Summary

  • Earnings: ROA of 2.39%, up 145 bps year over year; NIM at 5.47%.
  • Asset quality: problem loans at 0.49% of loans (-36 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 10.81%, up 92 bps from a year ago.
  • Funding: loans stand at 91.36% of deposits as of Q2 2021.

Financial Results

Return on Assets (YTD, annualized)

2.39%+145 bps YoY

Net Interest Margin (YTD, annualized)

5.47%+112 bps YoY

Efficiency Ratio (YTD, annualized)

48.46%-2,783 bps YoY

Tier 1 Leverage Ratio

10.81%+92 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets0.94%1.00%0.97%2.24%2.39%+145 bps
Return on Equity9.51%10.04%9.68%21.83%23.15%+1,364 bps
Net Interest Margin4.35%4.40%4.34%5.60%5.47%+112 bps
Efficiency Ratio76.30%75.64%76.04%52.12%48.46%-2,783 bps
Non-Interest Burden3.17%3.19%3.16%2.61%2.33%-85 bps
Growth
Asset Growth (YoY)8.74%5.57%6.86%8.58%10.01%+127 bps
Loan Growth (YoY)4.80%-1.58%-3.12%2.29%12.43%+763 bps
Deposit Growth (YoY)8.18%4.56%6.38%8.40%9.34%+116 bps
Asset Quality
Nonperforming Loans / Loans0.85%0.72%0.64%0.58%0.49%-36 bps
Net Charge-Offs / Loans0.25%0.14%0.10%-0.08%-0.04%-28 bps
Allowance / Loans0.57%0.61%0.63%0.63%0.56%-1 bps
Allowance Coverage of NPLs0.7x0.8x1.0x1.1x1.1x+0.5x
Capital
Tier 1 Leverage Ratio9.89%10.17%10.35%10.34%10.81%+92 bps
Total Risk-Based Capital9.89%10.17%10.35%10.34%10.81%+92 bps
Equity / Assets9.79%10.28%10.23%10.32%10.43%+64 bps
Liquidity & Funding
Loans / Deposits88.85%90.38%85.19%85.25%91.36%+251 bps
Liquid Assets / Assets2.83%2.99%2.92%3.04%2.87%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a