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Peoples Bank and Trust Company

Sunman, IN · Cert 9088

FDIC

Q4 2004

$254.3MAssets
$186.5MLoans
$190.9MDeposits
$34.9MEquity
Loan mix
85%RE $91.2M14%C&I $15.1M1%Consumer $0.6MQ4 2003Q4 2004
Deposit mix
88%Interest-bearing $168.9M12%Noninterest $22.0MQ4 2003Q4 2004

NIM

6.70%Q4 ’025.74%Q4 ’035.53%Q4 ’04-11%-1%

Non-interest income vs. expense

3.13%Q4 ’023.96%Q4 ’035.83%Q4 ’04-241%+228%

Executive Summary

  • Earnings: ROA of -0.18%, down 90 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.38%.
  • Funding: loans stand at 97.70% of deposits as of Q4 2004.

Financial Results

Return on Assets (quarter, annualized)

-0.18%-90 bps YoY

Net Interest Margin (quarter, annualized)

4.05%-6 bps YoY

Efficiency Ratio (quarter, annualized)

95.31%+6,067 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets0.72%0.77%0.62%0.29%-0.18%-90 bps
Return on Equity5.93%5.78%4.50%2.11%-1.32%-725 bps
Net Interest Margin4.11%4.09%4.02%4.01%4.05%-6 bps
Efficiency Ratio34.64%75.71%84.05%89.64%95.31%+6,067 bps
Non-Interest Burden-3.05%2.74%3.22%3.61%3.90%+695 bps
Growth
Asset Growth (YoY)-17.67%-19.76%-18.66%-15.77%-4.50%+1,317 bps
Loan Growth (YoY)-21.82%-20.24%-21.37%-15.95%-2.71%+1,911 bps
Deposit Growth (YoY)-21.00%-24.30%-24.54%-23.80%-8.17%+1,283 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans8.65%0.53%0.43%0.08%0.38%-827 bps
Allowance / Loans1.96%1.89%1.84%1.79%1.93%-4 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 Capital17.19%17.45%18.03%16.60%16.56%-63 bps
Equity / Assets13.11%13.55%13.86%13.75%13.72%+61 bps
Liquidity & Funding
Loans / Deposits92.22%97.24%96.93%100.07%97.70%+548 bps
Liquid Assets / Assets0.61%0.43%0.44%0.36%0.28%-33 bps
CRE / Total Capitaln/an/an/an/an/an/an/a