Peoples Financial Services Corp. (NASDAQ - PFIS)

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Financial Highlights

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

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,231,5411,179,8474.381,237,168(1.82)
Loans Held for Sale, before Reserves2,8792,7574.433,101(28.64)
Loan Loss Reserve11,4289,62218.7710,80323.14
Net Loans Receivable1,222,9921,172,9824.261,229,466(2.11)
Intangible Assets68,27169,529(1.81)68,567(1.73)
Total Assets1,747,7551,731,1060.961,713,9617.89
Deposits1,424,7671,422,8020.141,416,2782.40
Debt, Senior and Subordinated57,52349,01317.3632,318311.96
Common Equity250,404244,1652.56249,4581.52
Total Shareholders' Equity250,404244,1652.56249,4581.52
Shares Outstanding (actual)7,542,7257,548,358(0.07)7,548,358(0.30)
Income Statement ($000)
 2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Net Interest Income14,19013,7553.1614,0932.75
Provision for Loan Losses7501,201(37.55)7500.00
Noninterest Income3,6263,6180.223,47717.14
Noninterest Expense11,51111,2312.4911,09415.04
Net Income Before Taxes5,5554,09335.726,558(61.18)
Provision for Taxes1,12476247.511,514(103.04)
Net Income4,4313,33133.025,044(48.61)
Per Share Items ($)
 2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Book Value per Share33.2032.352.6333.051.82
Tangible Book Value24.1523.144.3723.963.05
Diluted EPS Before Extra0.590.4434.090.67(47.76)
Diluted EPS After Extra0.590.4434.090.67(47.76)
Dividends Declared0.31000.31000.000.31000.00
Performance Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
ROAA1.030.78251.20(17)
ROAE7.145.601548.28(114)
Net Interest Margin3.843.73113.88(4)
Loans / Deposits86.4482.9235187.35(92)
Efficiency Ratio62.9567.91(496)58.63432
Balance Sheet Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.8410.513310.99(15)
Equity/ Assets14.3314.102214.55(23)
Asset Quality Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.540.82(28)0.59(4)
Loan Loss Reserves/ Gross Loans0.930.81110.875
Loan Loss Reserves/ NPAs120.5967.565,303107.391,320
Net Charge-offs/ Avg Loans0.040.15(11)0.09(5)
Regulatory Capital Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNA14.27NA15.60NA
   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.