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

Deposit mix

NIM

Earnings: ROA of 2.54%, up 140 bps year over year; NIM at 5.53%.
Asset quality: problem loans at 0.49% of loans (-36 bps YoY), with net charge-offs at 0.00%.

Return on Assets (quarter, annualized)

2.54%+140 bps YoY

Net Interest Margin (quarter, annualized)

5.53%+122 bps YoY

Efficiency Ratio (quarter, annualized)

44.89%-2,834 bps YoY

Tier 1 Leverage Ratio

10.81%+92 bps YoY

Discrete quarter, annualized.

Metric	Q2 2020	Q3 2020	Q4 2020	Q1 2021	Q2 2021	YoY Δ	Trend
Earnings
Return on Assets	1.14%	1.11%	0.89%	2.24%	2.54%	+140 bps
Return on Equity	11.56%	11.05%	8.65%	21.83%	24.50%	+1,294 bps
Net Interest Margin	4.32%	4.52%	4.20%	5.60%	5.53%	+122 bps
Efficiency Ratio	73.23%	74.37%	77.27%	52.12%	44.89%	-2,834 bps
Non-Interest Burden	3.00%	3.21%	3.10%	2.61%	2.14%	-86 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 / Loans	0.85%	0.72%	0.64%	0.58%	0.49%	-36 bps
Net Charge-Offs / Loans	-0.08%	-0.08%	-0.02%	-0.08%	0.00%	+8 bps
Allowance / Loans	0.57%	0.61%	0.63%	0.63%	0.56%	-1 bps
Allowance Coverage of NPLs	0.7x	0.8x	1.0x	1.1x	1.1x	+0.5x
Capital
Tier 1 Leverage Ratio	9.89%	10.17%	10.35%	10.34%	10.81%	+92 bps
Total Risk-Based Capital	9.89%	10.17%	10.35%	10.34%	10.81%	+92 bps
Equity / Assets	9.79%	10.28%	10.23%	10.32%	10.43%	+64 bps
Liquidity & Funding
Loans / Deposits	88.85%	90.38%	85.19%	85.25%	91.36%	+251 bps
Liquid Assets / Assets	2.83%	2.99%	2.92%	3.04%	2.87%	+5 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a