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Peoples State Bank

Financial Highlights

Financial Highlights
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FQ3 YTD
9/30/2019
Balance Sheet ($000)
Total Assets 784,410 827,528 847,681 915,998 949,663
Total Net Loans 535,325 586,911 610,076 658,839 691,624
Total Deposits 666,176 686,760 702,303 725,826 736,185
Equity Attributable to Parent Company 65,085 69,052 73,782 80,840 90,624
Total Equity 65,085 69,052 73,782 80,840 90,624
Profitability (%)
Net Income($000) 7,749 8,436 7,187 10,312 8,434
Net Income Attributable to Parent($000) 7,749 8,436 7,187 10,312 8,434
ROAA 1.03 1.07 0.87 1.19 1.24
Core ROAA 1.04 1.07 1.01 1.19 NA
ROAE 12.04 12.39 9.82 13.41 13.06
ROATCE 12.17 12.48 9.84 13.43 13.08
Core ROAE 12.13 12.30 11.48 13.41 NA
Net Interest Margin 3.45 3.46 3.54 3.56 3.64
Reported: Net Interest Margin 3.45 3.46 3.54 3.56 3.65
Efficiency Ratio 60.39 58.96 59.29 60.82 56.81
Noninterest Inc/ Operating Rev 20.61 20.86 18.34 18.34 19.98
Balance Sheet Ratios (%)
Loans/ Deposits 81.31 86.23 87.78 91.58 94.83
Securities/ Assets 20.07 20.29 20.15 19.05 17.96
Total Equity/ Total Assets 8.30 8.34 8.70 8.83 9.54
Tangible Equity/ Tangible Assets 8.28 8.33 8.69 8.81 9.53
Tang Common Equity/ Tang Assets 8.28 8.33 8.69 8.81 9.53
Asset Quality (%)
NPAs/ Assets 1.49 1.04 1.27 0.67 0.57
NPA Excl Restructured/ Assets 0.85 0.48 0.57 0.42 0.49
NPAs & 90+ PD/ Assets 1.49 1.04 1.27 0.67 0.57
NPAs/ Loans & REO 2.15 1.45 1.74 0.92 0.78
Nonaccrual & 90+ & OREO/ Assets 0.85 0.48 0.57 0.42 0.49
NPAs & 90+ PD/ Loans & REO 2.15 1.45 1.74 0.92 0.78
NPA & Loans 90+/ Tangible Common Equity + LLR 16.37 11.44 13.42 7.05 5.59
NCOs/ Avg Loans (0.09) 0.06 0.01 0.05 0.03
Loan Loss Reserves/ Gross Loans 1.17 1.03 1.04 0.94 0.97
Reserves/ NPAs 54.43 70.86 59.56 101.63 125.06
Loan Loss Provision/ NCO NM 17.08 550 43.92 534.35
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($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA 12.97 13.09 NA NA
Tier 1 Ratio(%) NA 12.97 13.09 NA NA
Total Capital Ratio(%) NA 14.01 14.12 NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 9.52 9.87 NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,728,102 4,577,529 4,521,600 4,487,895 4,471,216
Avg Diluted Shares(actual) 4,811,721 4,619,955 4,558,569 4,496,525 4,486,170
Basic Book Value per Share 13.77 15.08 16.32 18.01 20.27
Book Value per Share, As Reported 13.77 15.08 16.32 NA NA
Basic Tangible Book Value per Share 13.73 15.06 16.29 17.99 20.24
Tangible Book Value per Share, As Reported 13.72 15.08 16.28 17.98 20.24
Common Dividends Declared per Share 0.28 0.30 0.32 0.36 0.20
EPS after Extra 1.61 1.83 1.58 2.29 1.88
EPS after Extra Growth(%) 23.80 13.50 (13.70) 45.20 8.70
Core EPS 1.62 1.81 1.84 2.29 NA
Core EPS Growth(%) 19.80 11.90 1.50 24.30 NA
Diluted EPS before Amortization 1.63 1.84 1.58 2.29 1.88
Pre-Provision Earnings per Share 1.48 1.73 1.84 2.38 2.18
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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