Peoples Financial Services Corp. (NASDAQ - PFIS)

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Financial Highlights

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Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,209,8941,176,6172.831,179,94210.15
Loans Held for Sale, before Reserves3,4861,75798.412,96170.92
Loan Loss Reserve10,3388,65119.5010,1716.57
Net Loans Receivable1,203,0421,169,7232.851,172,73210.34
Intangible Assets68,87170,205(1.90)69,196(1.88)
Total Assets1,741,6691,688,2213.171,724,7783.92
Deposits1,425,5581,379,5073.341,425,628(0.02)
Debt, Senior and Subordinated52,69758,795(10.37)40,534120.03
Common Equity246,779238,7923.34246,0691.15
Total Shareholders' Equity246,779238,7923.34246,0691.15
Shares Outstanding (actual)7,548,3587,552,944(0.06)7,548,3580.00
Income Statement ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income14,2649,82745.1514,550(7.86)
Provision for Loan Losses8001,036(22.78)66680.48
Noninterest Income3,5332,84724.103,679(15.87)
Noninterest Expense11,3239,26622.2010,97512.68
Net Income Before Taxes5,674(3,407)NM7,180(83.90)
Provision for Taxes1,290(1,277)NM1,944(134.57)
Net Income4,384(2,130)NM5,236(65.09)
Per Share Items ($)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share32.6931.623.4132.601.15
Tangible Book Value23.5722.325.5923.432.34
Diluted EPS Before Extra0.58(0.39)NM0.70(68.57)
Diluted EPS After Extra0.58(0.39)NM0.70(68.57)
Dividends Declared0.31000.230034.780.31000.00
Performance Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA1.01(0.71)1721.20(19)
ROAE7.06(5.00)1,2068.49(143)
Net Interest Margin3.793.82(3)3.84(5)
Loans / Deposits84.8785.29(42)82.77211
Efficiency Ratio61.81117.51(5,570)56.79502
Balance Sheet Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.6410.422210.68(5)
Equity/ Assets14.1714.14214.27(10)
Asset Quality Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.531.07(53)0.71(17)
Loan Loss Reserves/ Gross Loans0.850.73120.86(1)
Loan Loss Reserves/ NPAs111.6448.066,35883.622,803
Net Charge-offs/ Avg Loans0.210.1290.0417
Regulatory Capital Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio14.7513.62113NANA
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.