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Peoples Security Bank

Louisa, KY · Cert 9679

FDIC · 2 branches

Q3 2014

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 2014, the quarter ended September 30, 2014, 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 Security Bank

Louisa, KY · Cert 9679

FDIC · 2 branches

Q3 2014

$47.3MAssets
$18.9MLoans
$39.9MDeposits
$7.0MEquity
Loan mix
84%RE $11.9M4%C&I $0.5M12%Consumer $1.7MQ3 2013Q3 2014
Deposit mix
70%Interest-bearing $27.8M30%Noninterest $12.1MQ3 2013Q3 2014

NIM

4.22%Q3 ’124.12%Q3 ’133.76%Q3 ’14+0%-8%

Non-interest income vs. expense

4.18%Q3 ’124.28%Q3 ’134.21%Q3 ’14+4%-5%

Executive Summary

  • Earnings: ROA of 0.22%, down 15 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 47.28% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.22%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.56%-32 bps YoY

Efficiency Ratio (YTD, annualized)

94.81%+306 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.37%0.35%0.33%0.09%0.22%-15 bps
Return on Equity2.65%2.46%2.33%0.65%1.57%-108 bps
Net Interest Margin3.88%3.83%3.59%3.56%3.56%-32 bps
Efficiency Ratio91.75%92.53%92.51%97.71%94.81%+306 bps
Non-Interest Burden3.49%3.48%3.26%3.46%3.33%-16 bps
Growth
Asset Growth (YoY)-5.39%-4.87%-4.14%0.01%-0.25%+514 bps
Loan Growth (YoY)-7.01%-6.28%-6.58%-0.61%1.63%+863 bps
Deposit Growth (YoY)-4.38%-3.86%-3.72%-0.30%-1.15%+324 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.25%0.96%0.04%0.01%0.02%-123 bps
Allowance / Loans1.48%1.48%1.48%1.43%1.42%-6 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 Capital30.46%30.69%31.04%30.56%31.09%+63 bps
Equity / Assets13.96%14.00%13.96%14.22%14.75%+79 bps
Liquidity & Funding
Loans / Deposits45.99%45.86%44.01%45.91%47.28%+129 bps
Liquid Assets / Assets7.19%8.03%9.38%8.30%9.89%+270 bps
CRE / Total Capitaln/an/an/an/an/an/an/a