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Peoples Bank of Elkton, The

Elkton, MD · Cert 9700

FDIC

Q2 2009

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: Q2 2009, the quarter ended June 30, 2009, 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 of Elkton, The

Elkton, MD · Cert 9700

FDIC

Q2 2009

$148.3MAssets
$80.2MLoans
$130.8MDeposits
$9.6MEquity
Loan mix
90%RE $61.7M8%C&I $5.7M1%Consumer $0.8MQ2 2008Q2 2009
Deposit mix
84%Interest-bearing $109.5M16%Noninterest $21.3MQ2 2008Q2 2009

NIM

5.89%Q2 ’075.83%Q2 ’084.72%Q2 ’09+8%-15%

Non-interest income vs. expense

2.81%Q2 ’072.84%Q2 ’082.22%Q2 ’09-13%-19%

Executive Summary

  • Earnings: ROA of 1.48%, down 14 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 61.31% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

1.48%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.15%-54 bps YoY

Efficiency Ratio (YTD, annualized)

52.14%-292 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets1.62%1.86%1.79%1.61%1.48%-14 bps
Return on Equity26.13%29.78%28.81%25.98%23.50%-263 bps
Net Interest Margin3.69%3.59%3.54%3.23%3.15%-54 bps
Efficiency Ratio55.05%51.31%49.98%49.27%52.14%-292 bps
Non-Interest Burden1.37%1.17%1.13%1.01%1.11%-26 bps
Growth
Asset Growth (YoY)4.42%9.05%12.94%20.55%21.05%+1,664 bps
Loan Growth (YoY)6.78%6.64%7.07%7.64%6.21%-57 bps
Deposit Growth (YoY)3.94%12.51%30.58%35.96%22.10%+1,815 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.08%0.08%0.05%0.09%-1 bps
Allowance / Loans1.83%1.77%1.71%1.70%1.66%-17 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 Capital11.43%11.21%11.03%11.29%11.63%+19 bps
Equity / Assets6.25%6.35%6.18%6.25%6.45%+19 bps
Liquidity & Funding
Loans / Deposits70.48%68.88%64.93%61.35%61.31%-917 bps
Liquid Assets / Assets0.00%0.00%0.05%0.00%0.02%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a