Peoples Financial Corporation · OTC:PFBX
Peoples Financial — 23rd Annual Burkenroad Reports Investment Conference (April 2019)
14 slides from Peoples Financial's conference presentation, Apr 26, 2019
Slide 1: Burkenroad Reports Investment Conference Presentation
OTCQX: PFBX 23rd Annual BURKENROAD REPORTS Investment Conference Exhibit 99.1 Peoples Financial Corporation Burkenroad Reports Investments Conference Presentation April 26, 2019
Slide 2: Safe Harbor Statement
Safe Harbor Statement This presentation contains forward-looking statements and reflects industry conditions, company performance and financial results. These forward-looking statements are subject to a number of risk factors and uncertainties which could cause the Company’s actual results and exper
Slide 3: Corporate Profile
Corporate Profile The Peoples Bank founded 1896 Headquarters - Biloxi, MS Employees - 147 Branches - 18 ATMs - 30 Exhibit 2
Slide 4: Market Statistics – 3/31/2019
Market Statistics – 3/31/2019 Assets: $633 million Market Cap: $57 million Stock price 52 week range: $11.50 - $14.00 Book value: $18.35 Price/book: 0.63% Shares outstanding: 4,943,186 Insider Ownership: 33% Institutional Ownership: 48%
Slide 5: First Quarter 2019 Update
FIRST QUARTER 2019 UPDATE Net earnings totaled $405,000 … 39% increase over 1Q17 Earnings for the year-ended December 31, 2018 totaled $629,000 vs $2,758,000 the prior year Net Interest Margin improved 20bps in 1Q19 vs 1Q18 Loan volume decreased 3% in 1Q19 vs 1Q18 Primary capital base of 15.24%, wel
Slide 6: Peoples Financial Corporation Financial Summary
N YA PEOPLES FINANCIAL CORPORATIO [propL Ne if a I I In thousands, except per ; BSG Three Months Ended March 31, 2019) 201 /Net interest income Ss 4,620 Ss 4,269 rovision for loan losses 34 35 jon-interest income 1,406 1,523 5,567 5.465 jet income 405 292 ‘arnings per share 08 vd F “TIONS IN THE ALL
Slide 7: Performance Ratios (Annualized)
Performance Ratios (Annualized) Return on Average Assets: 0.26% 0.18% Return on Average Equity: 1.82% 1.32% Net Interest Margin: 3.30% 3.10% Efficiency Ratio: 93% 95% March 31 2019 2018
Slide 8: Asset Quality: Aging of Past Due Loans
ASSET QUALITY Exhibit 4 AGING OF PAST DUE LOANS 2011 – 1Q/2019 (in thousands) 90 Days 30 - 59 Days 60 - 89 Days Accruing Non Accruals Total % of Total # Amt ($) # Amt ($) # Amt ($) # Amt ($) # Amt ($) Total Loans Loans ($) 12/31/11 136 17,374 27 3,924 13 1,832 64 57,593 240 80,723 18.7 432,407 12/31
Slide 9: Capital
CAPITAL (in thousands) Exhibit 4 Book Value Total Primary Capital Year-End Per Share($) Capital ($) to Avg. Assets (%) 2004 15.44 85,801 15.87 2005 * 15.77 87,503 13.67 2006 17.71 98,233 11.91 2007 19.56106,542 12.13 2008 20.27107,000 12.81 2009 20.11103,558 12.49 2010 19.68101,357 12.96 2011 21.311
Slide 10: Looking ahead into 2019: Why Invest in PFBX
Looking ahead into 2019 Why Invest in PFBX City of Biloxi concluding Katrina related projects: $100M by late 2022 MS Gulf Coast scheduled to receive bulk of BP Settlement: $750M over 20 years Huntington Ingalls expanding to accommodate two major ship contracts: $6.5B City of Gulfport advancing multi
Slide 11: Looking ahead into 2019: Why Invest in PFBX
Looking ahead into 2019 Why Invest in PFBX City of Biloxi: Initiating $54M downtown redevelopment plan Encompasses 230,000 sq. ft. including 330 residential housing units Issued RFP to conduct feasibility study for satellite convention center / theater on East end of Biloxi Expand mid-week hotel occ
Slide 12: Looking ahead into 2019: Why Invest in PFBX
Looking ahead into 2019 Why Invest in PFBX Current primary capital to average assets: 15.24% Reestablished regular dividend payment Completed stock repurchase plan: 180,000 shares redeemed Shareholder & Management interest are aligned
Slide 13: Peoples Financial Corporation
PEOPLES FINANCIAL CORPORATION |
Slide 14: Information
Information Corporate Office Mailing Address P.O. Box 529 Biloxi, MS 39533 Physical Address 152 Lameuse St. Biloxi, MS 39530 (228)435-8205 Website www.thepeoples.com Shareholder Information Asset Management & Trust Department The Peoples Bank P.O. Box 1416 Biloxi, MS 39533-1416 (228)435-8208 investo
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