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Peoples Savings Bank

Charles City, IA · Cert 5818

FDIC · 1 branch

Q2 2019

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 2019, the quarter ended June 30, 2019, 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 Savings Bank

Charles City, IA · Cert 5818

FDIC · 1 branch

Q2 2019

$79.4MAssets
$73.2MLoans
$56.7MDeposits
$8.1MEquity
Loan mix
79%RE $29.0M19%C&I $7.1M1%Consumer $0.5MQ2 2018Q2 2019
Deposit mix
87%Interest-bearing $49.2M13%Noninterest $7.4MQ2 2018Q2 2019

NIM

4.88%Q2 ’175.04%Q2 ’185.40%Q2 ’19-2%-3%

Non-interest income vs. expense

2.22%Q2 ’172.13%Q2 ’182.48%Q2 ’19+2%+19%

Executive Summary

  • Earnings: ROA of 1.31%, down 61 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.06% of loans (+6 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 10.67%, down 14 bps from a year ago.
  • Funding: loans stand at 129.26% of deposits as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

1.31%-61 bps YoY

Net Interest Margin (YTD, annualized)

3.98%-13 bps YoY

Efficiency Ratio (YTD, annualized)

60.42%+1,048 bps YoY

Tier 1 Leverage Ratio

10.67%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets1.92%2.03%2.06%1.72%1.31%-61 bps
Return on Equity18.30%19.25%19.51%16.43%12.59%-572 bps
Net Interest Margin4.10%4.13%4.02%3.83%3.98%-13 bps
Efficiency Ratio49.94%48.44%48.14%54.13%60.42%+1,048 bps
Non-Interest Burden1.97%1.91%1.85%2.01%2.35%+38 bps
Growth
Asset Growth (YoY)5.78%5.99%7.58%6.49%9.23%+345 bps
Loan Growth (YoY)4.00%6.31%6.38%0.80%10.44%+644 bps
Deposit Growth (YoY)2.15%1.49%7.55%12.55%2.85%+69 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.28%0.13%0.06%+6 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%-0.01%0.12%+13 bps
Allowance / Loans1.23%1.16%1.16%1.17%1.16%-8 bps
Allowance Coverage of NPLsn/an/a4.2x8.9x19.3xn/a
Capital
Tier 1 Leverage Ratio10.80%11.06%10.89%10.38%10.67%-14 bps
Total Risk-Based Capital13.47%13.08%13.22%13.15%12.75%-72 bps
Equity / Assets10.84%10.63%10.75%10.21%10.26%-58 bps
Liquidity & Funding
Loans / Deposits120.36%128.98%118.94%111.69%129.26%+889 bps
Liquid Assets / Assets4.78%3.88%2.47%9.16%3.23%-155 bps
CRE / Total Capitaln/an/an/an/an/an/an/a