Skip to Sitemap
Peoples State Bank

Financial Highlights

Financial Highlights
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FY
12/31/2019
2020 FQ2 YTD
6/30/2020
Balance Sheet ($000)
Total Assets 827,528 847,681 915,998 974,893 1,093,346
Total Net Loans 586,911 610,076 658,839 708,196 808,998
Total Deposits 686,760 702,303 725,826 781,790 882,221
Equity Attributable to Parent Company 69,052 73,782 80,840 92,691 97,954
Total Equity 69,052 73,782 80,840 92,691 97,954
Profitability (%)
Net Income($000) 8,436 7,187 10,312 11,247 4,800
Net Income Attributable to Parent($000) 8,436 7,187 10,312 11,247 4,800
ROAA 1.07 0.87 1.19 1.22 0.95
Core ROAA 1.07 1.01 1.19 1.21 0.90
ROAE 12.39 9.82 13.41 12.77 10.06
ROATCE 12.48 9.84 13.43 12.79 10.07
Core ROAE 12.30 11.48 13.41 12.64 9.53
Net Interest Margin 3.46 3.54 3.56 3.62 3.24
Reported: Net Interest Margin 3.46 3.54 3.56 3.62 3.26
Efficiency Ratio 58.96 59.29 60.82 58.52 52.95
Noninterest Inc/ Operating Rev 20.86 18.34 18.34 18.11 24.97
Balance Sheet Ratios (%)
Loans/ Deposits 86.23 87.78 91.58 91.40 92.31
Securities/ Assets 20.29 20.15 19.05 18.11 16.55
Total Equity/ Total Assets 8.34 8.70 8.83 9.51 8.96
Tangible Equity/ Tangible Assets 8.33 8.69 8.81 9.50 8.95
Tang Common Equity/ Tang Assets 8.33 8.69 8.81 9.50 8.95
Asset Quality (%)
NPAs/ Assets 1.04 1.27 0.67 0.55 0.49
NPA Excl Restructured/ Assets 0.48 0.57 0.42 0.48 0.43
NPAs & 90+ PD/ Assets 1.04 1.27 0.67 0.55 0.49
NPAs/ Loans & REO 1.45 1.74 0.92 0.75 0.66
Nonaccrual & 90+ & OREO/ Assets 0.48 0.57 0.42 0.48 0.43
NPAs & 90+ PD/ Loans & REO 1.45 1.74 0.92 0.75 0.66
NPA & Loans 90+/ Tangible Common Equity + LLR 11.44 13.42 7.05 5.36 5.03
NCOs/ Avg Loans 0.06 0.01 0.05 0.02 0.36
Loan Loss Reserves/ Gross Loans 1.03 1.04 0.94 0.97 1.12
Reserves/ NPAs 70.86 59.56 101.63 130.14 170.43
Loan Loss Provision/ NCO 17.08 550 43.92 594.41 263.74
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) 12.97 13.09 NA NA NA
Tier 1 Ratio(%) 12.97 13.09 NA NA NA
Total Capital Ratio(%) 14.01 14.12 NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.52 9.87 NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,577,529 4,521,600 4,487,895 4,467,217 4,452,287
Avg Diluted Shares(actual) 4,619,955 4,558,569 4,496,525 4,481,251 4,444,444
Basic Book Value per Share 15.08 16.32 18.01 20.75 22
Book Value per Share, As Reported 15.08 16.32 NA NA NA
Basic Tangible Book Value per Share 15.06 16.29 17.99 20.72 21.98
Tangible Book Value per Share, As Reported 15.08 16.28 17.98 20.72 21.97
Common Dividends Declared per Share 0.30 0.32 0.36 0.40 0.21
EPS after Extra 1.83 1.58 2.29 2.51 1.08
EPS after Extra Growth(%) 13.50 (13.70) 45.20 9.60 (8.50)
Core EPS 1.81 1.84 2.29 2.48 1.02
Core EPS Growth(%) 11.90 1.50 24.30 8.40 (12.10)
Diluted EPS before Amortization 1.84 1.58 2.29 2.51 1.08
Pre-Provision Earnings per Share 1.73 1.84 2.38 2.73 1.69
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.
Copyright 2020, © S&P Global Market Intelligence  Terms of Use