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)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,340,8651,209,89410.821,270,54522.14
Loans Held for Sale, before Reserves03,486NM3,439NM
Loan Loss Reserve12,97510,33825.5112,04330.96
Net Loans Receivable1,327,8901,203,04210.381,261,94120.90
Intangible Assets68,76768,871(0.15)67,9764.65
Total Assets1,819,0581,741,6694.441,772,77010.44
Deposits1,455,8101,425,5582.121,444,6503.09
Debt, Senior and Subordinated98,67952,69787.2661,250244.43
Common Equity248,768246,7790.81252,088(5.27)
Total Shareholders' Equity248,768246,7790.81252,088(5.27)
Shares Outstanding (actual)7,410,6067,548,358(1.82)7,519,109(5.77)
Income Statement ($000)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Net Interest Income14,60814,2642.4114,11314.03
Provision for Loan Losses1,30080062.50900177.78
Noninterest Income3,5593,5330.743,868(31.95)
Noninterest Expense11,79011,3234.1211,7062.87
Net Income Before Taxes4,6095,674(18.77)5,522(66.14)
Provision for Taxes7701,290(40.31)1,113(123.27)
Net Income3,8394,384(12.43)4,409(51.71)
Per Share Items ($)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Book Value per Share33.5732.692.6833.530.51
Tangible Book Value24.2923.573.0624.49(3.21)
Diluted EPS Before Extra0.520.58(10.34)0.58(41.38)
Diluted EPS After Extra0.520.58(10.34)0.58(41.38)
Dividends Declared0.31000.31000.000.31000.00
Performance Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
ROAA0.851.01(16)1.00(15)
ROAE6.127.06(94)7.00(88)
Net Interest Margin3.793.7903.745
Loans / Deposits92.1084.8772387.95416
Efficiency Ratio64.1659.1849860.82334
Balance Sheet Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.2810.64(35)10.80(52)
Equity/ Assets13.6814.17(49)14.22(54)
Asset Quality Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.640.53110.577
Loan Loss Reserves/ Gross Loans0.970.85120.952
Loan Loss Reserves/ NPAs110.89111.64(75)119.20(831)
Net Charge-offs/ Avg Loans0.110.21(10)0.092
Regulatory Capital Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA14.75NANANA
   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.