PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peoples Banking&Trust Co.

Marietta, OH · Cert 9445

FDIC

Q4 1999

$893.7MAssets
$541.8MLoans
$607.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.40%, up 5 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 89.17% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

1.40%+5 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.44%1.41%1.31%1.35%1.42%1.38%1.40%1.40%+5 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)11.09%23.74%22.84%20.28%14.47%24.48%25.29%28.79%+851 bps
Loan Growth (YoY)10.54%9.85%8.33%10.51%13.87%15.41%19.61%18.88%+837 bps
Deposit Growth (YoY)4.33%23.06%21.62%21.15%20.44%1.96%3.58%4.35%-1,680 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits84.50%73.87%74.53%78.27%79.89%83.62%86.08%89.17%+1,090 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a