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Peoples Bank

Barretville, TN · Cert 9185

FDIC

Q1 2001

$311.2MAssets
$178.0MLoans
$254.8MDeposits
$53.7MEquity
Deposit mix
84%Interest-bearing $212.8M16%Noninterest $42.0MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.42%, down 19 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 69.86% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

1.42%-19 bps YoY

Net Interest Margin (quarter, annualized)

3.73%

Efficiency Ratio (quarter, annualized)

48.55%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.61%1.55%1.48%1.45%1.42%-19 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.73%n/an/a
Efficiency Ration/an/an/an/a48.55%n/an/a
Non-Interest Burdenn/an/an/an/a1.37%n/an/a
Growth
Asset Growth (YoY)18.20%6.25%4.12%-5.98%-6.55%-2,474 bps
Loan Growth (YoY)47.80%22.57%6.57%-1.12%-5.46%-5,325 bps
Deposit Growth (YoY)17.89%4.03%9.39%-1.44%-0.13%-1,803 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.10%n/an/a
Allowance / Loansn/an/an/an/a1.33%n/an/a
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 Capitaln/an/an/an/a28.76%n/an/a
Equity / Assetsn/an/an/an/a17.26%n/an/a
Liquidity & Funding
Loans / Deposits73.80%73.04%69.18%69.59%69.86%-394 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%9.00%+900 bps
CRE / Total Capitaln/an/an/an/an/an/an/a