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Peoples Bank and Trust Company, The

Selma, AL · Cert 860

FDIC

Q3 2007

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: Q3 2007, the quarter ended September 30, 2007, 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 Bank and Trust Company, The

Selma, AL · Cert 860

FDIC

Q3 2007

$938.2MAssets
$643.9MLoans
$799.0MDeposits
$83.9MEquity
Loan mix
76%RE $321.4M24%C&I $100.7M0%Consumer $1.0MQ3 2006Q3 2007
Deposit mix
90%Interest-bearing $719.0M10%Noninterest $80.0MQ3 2006Q3 2007

NIM

5.23%Q3 ’055.93%Q3 ’066.49%Q3 ’07-2%+1%

Non-interest income vs. expense

3.27%Q3 ’052.84%Q3 ’062.90%Q3 ’07-17%+3%

Executive Summary

  • Earnings: ROA of 0.91%, down 26 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.21%.
  • Funding: loans stand at 80.59% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

0.91%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+5 bps YoY

Efficiency Ratio (YTD, annualized)

64.85%+67 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.18%1.05%1.10%0.80%0.91%-26 bps
Return on Equity12.72%11.44%12.25%8.94%10.24%-248 bps
Net Interest Margin3.31%3.30%3.28%3.35%3.35%+5 bps
Efficiency Ratio64.19%66.32%64.53%71.07%64.85%+67 bps
Non-Interest Burden1.76%1.85%1.65%2.17%1.82%+5 bps
Growth
Asset Growth (YoY)9.73%12.27%12.64%7.71%6.80%-292 bps
Loan Growth (YoY)22.11%27.51%18.74%13.66%8.73%-1,338 bps
Deposit Growth (YoY)8.89%11.72%13.99%8.52%7.46%-144 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.05%-0.02%0.00%0.21%+19 bps
Allowance / Loans1.03%1.01%1.05%1.08%1.08%+5 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 Capital12.50%12.04%11.88%11.36%11.74%-76 bps
Equity / Assets9.17%8.92%8.98%8.88%8.95%-22 bps
Liquidity & Funding
Loans / Deposits79.65%82.17%81.51%83.91%80.59%+94 bps
Liquid Assets / Assets2.77%0.44%4.60%3.71%3.97%+120 bps
CRE / Total Capitaln/an/an/an/an/an/an/a