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Peoples State Bank

Financial Highlights

Financial Highlights
2014 FY
12/31/2014
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FQ3 YTD
9/30/2018
Balance Sheet ($000)
Total Assets 734,367 784,410 827,528 847,681 883,277
Total Net Loans 525,683 535,325 586,911 610,076 636,712
Total Deposits 622,951 666,176 686,760 702,303 717,283
Equity Attributable to Parent Company 61,461 65,085 69,052 73,782 78,094
Total Equity 61,461 65,085 69,052 73,782 78,094
Profitability (%)
Net Income($000) 6,440 7,749 8,436 7,187 7,783
Net Income Attributable to Parent($000) 6,440 7,749 8,436 7,187 7,783
ROAA 0.90 1.03 1.07 0.87 1.21
Core ROAA 0.93 1.04 1.07 1.01 1.21
ROAE 10.75 12.04 12.39 9.82 13.67
ROATCE 10.83 12.17 12.48 9.84 13.69
Core ROAE 11.20 12.13 12.30 11.48 13.67
Net Interest Margin 3.38 3.45 3.46 3.54 3.54
Reported: Net Interest Margin 3.38 3.45 3.46 3.54 3.55
Efficiency Ratio 60.07 60.39 58.96 59.29 60.15
Noninterest Inc/ Operating Rev 20.45 20.61 20.86 18.34 18.22
Balance Sheet Ratios (%)
Loans/ Deposits 85.40 81.31 86.23 87.78 89.64
Securities/ Assets 20.01 20.07 20.29 20.15 20.09
Total Equity/ Total Assets 8.37 8.30 8.34 8.70 8.84
Tangible Equity/ Tangible Assets 8.34 8.28 8.33 8.69 8.83
Tang Common Equity/ Tang Assets 8.34 8.28 8.33 8.69 8.83
Asset Quality (%)
NPAs/ Assets 1.96 1.49 1.04 1.27 0.67
NPA Excl Restructured/ Assets 1.37 0.85 0.48 0.57 0.43
NPAs & 90+ PD/ Assets 1.96 1.49 1.04 1.27 0.67
NPAs/ Loans & REO 2.70 2.15 1.45 1.74 0.91
Nonaccrual & 90+ & OREO/ Assets 1.37 0.85 0.48 0.57 0.43
NPAs & 90+ PD/ Loans & REO 2.70 2.15 1.45 1.74 0.91
NPA & Loans 90+/ Tangible Common Equity + LLR 21.34 16.37 11.44 13.42 6.99
NCOs/ Avg Loans 0.18 (0.09) 0.06 0.01 0.04
Loan Loss Reserves/ Gross Loans 1.20 1.17 1.03 1.04 0.98
Reserves/ NPAs 44.44 54.43 70.86 59.56 106.69
Loan Loss Provision/ NCO 59.96 NM 17.08 550 37.23
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 60,376 NA NA NA NA
Tier 1 Capital($000) 67,876 NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) 74,370 NA NA NA NA
Total Risk-weighted Assets($000) 522,352 NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) 11.56 NA 12.97 13.09 NA
Tier 1 Ratio(%) 12.99 NA 12.97 13.09 NA
Total Capital Ratio(%) 14.24 NA 14.01 14.12 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.30 NA 9.52 9.87 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,892,739 4,728,102 4,577,529 4,521,600 4,488,720
Avg Diluted Shares(actual) 4,953,135 4,811,721 4,619,955 4,558,569 4,498,844
Basic Book Value per Share 12.56 13.77 15.08 16.32 17.40
Book Value per Share, As Reported 12.56 13.77 15.08 16.32 NA
Basic Tangible Book Value per Share 12.51 13.73 15.06 16.29 17.37
Tangible Book Value per Share, As Reported 12.51 13.72 15.05 16.28 17.37
Common Dividends Declared per Share 0.27 0.28 0.30 0.32 0.18
EPS after Extra 1.30 1.61 1.83 1.58 1.73
EPS after Extra Growth(%) 35.90 23.80 13.50 (13.70) 26.60
Core EPS 1.35 1.62 1.81 1.84 1.73
Core EPS Growth(%) 42.60 19.80 11.90 1.50 26.60
Diluted EPS before Amortization 1.31 1.63 1.84 1.58 1.73
Pre-Provision Earnings per Share 1.35 1.48 1.73 1.84 1.80
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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