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)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,179,847642,35383.681,177,1220.93
Loans Held for Sale, before Reserves2,7570NM1,816207.27
Loan Loss Reserve9,6227,55227.418,85934.45
Net Loans Receivable1,172,982634,80184.781,170,0790.99
Intangible Assets69,52927,117156.4069,862(1.91)
Total Assets1,731,106919,66988.231,718,2612.99
Deposits1,422,802733,13494.071,404,0665.34
Debt, Senior and Subordinated49,01343,82111.8558,377(64.16)
Common Equity244,165132,88583.74242,5652.64
Total Shareholders' Equity244,165132,88583.74242,5652.64
Shares Outstanding (actual)7,548,3584,467,26168.977,548,3580.00
Income Statement ($000)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Net Interest Income13,7557,77676.8914,745(26.86)
Provision for Loan Losses1,201500140.20857160.56
Noninterest Income3,6183,03319.293,5606.52
Noninterest Expense11,2316,85163.9310,67920.68
Net Income Before Taxes4,0933,47717.726,161(134.26)
Provision for Taxes76263320.381,463(191.66)
Net Income3,3312,84417.124,698(116.39)
Per Share Items ($)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Book Value per Share32.3529.758.7432.132.64
Tangible Book Value23.1423.68(2.28)22.884.48
Diluted EPS Before Extra0.440.64(31.25)0.62(116.13)
Diluted EPS After Extra0.440.64(31.25)0.62(116.13)
Dividends Declared0.31000.230034.780.31000.00
Performance Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
ROAA0.781.22(44)1.13(35)
ROAE5.618.51(290)8.03(242)
Net Interest Margin3.733.90(17)4.09(36)
Loans / Deposits82.9287.62(469)83.84(91)
Efficiency Ratio67.9162.7751459.79812
Balance Sheet Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.5111.85(134)10.483
Equity/ Assets14.1014.45(34)14.12(1)
Asset Quality Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.820.42400.793
Loan Loss Reserves/ Gross Loans0.811.18(36)0.756
Loan Loss Reserves/ NPAs67.56194.24(12,668)65.14242
Net Charge-offs/ Avg Loans0.150.04110.22(7)
Regulatory Capital Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNANANANANA
   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.