Peoples Financial Corporation · OTC:PFBX
Peoples Financial — 2021 Burkenroad Reports Virtual Investment Conference
13 slides from Peoples Financial's conference presentation, Apr 23, 2021
Slide 1: 2021 Burkenroad Reports Virtual Investment Conference
PEOPLES FINANCIAL CORPORATION | OTCQX: PFBX 2021 BURKENROAD REPORTS VIRTUAL INVESTMENT CONFERENCE
Slide 2: Safe Harbor Statement
PEOPLES FINANCIAL CORPORATION Safe Harbor Statement This document reflects industry conditions, Company performance and financial results and contains “forward-looking statements,” which may include forecasts of our financial results and condition, expectations for our operations and businesses, and
Slide 3: Corporate Profile
PEOPLES FINANCIAL CORPORATION | Corporate Profile The Peoples Bank founded 1896 Headquarters - Biloxi, MS Employees - 136 Branches - 18 ATMs - 30
Slide 4: Market Statistics — 3/31/2021
PEOPLES FINANCIAL CORPORATION | Market Statistics — 3/31/2021 + Assets: $752 million ¢ Market Cap: $82 million * Stock price 52 week range: $10.05 - $17.01 * Book value: $19.36 ¢ Price/book: 88% ¢ Shares outstanding: 4,878,557 * Insider Ownership: 35% ¢ Institutional Ownership: 48%
Slide 5: First Quarter 2021 Update
FIRST QUARTER 2021 UPDATE PEOPLES FINANCIAL CORPORATION | Net earnings totaled $4,330,000 386% increase over 1Q20 Net Interest Margin declined 44bps in 1Q21 vs 1Q20 Loan volume increased 0.50% in 1Q21 vs 1Q20 Primary capital ratio of 13.79%, well in excess of regulatory minimums
Slide 6: Earnings Summary and Balance Sheet Summary
PEOPLES FINANCIAL CORPORATION [Ca thousands, except per share figures) (Caaudited) -EARADGS SLMMARD [Three Months Ended March 31, E53) 2020) INetinterest income s 4sis| [8 4396 Provision forloan losses G33) a [Non nterestincome 1510 266 5.75 113 Ez) 2020) |Allowanceferlom tosses bepimingotpeiod| | $
Slide 7: Performance Ratios
PEOPLES FINANCIAL CORPORATION | Performance Ratios March 31 Return on Average Assets: Return on Average Equity: Net Interest Margin: Efficiency Ratio: 2021 2.42% 24.18% 2.65% 60%
Slide 8: Asset Quality
PEOPLES FINANCIAL CORPORATION, ASSET QUALITY 2011 — 19/2021 AGING OF PAST DUE LOANS 30-59Days -60-89Days 90DaysAccruing -Non-Accruals Total Total - Amt # Ant # Amt # Amt # Amt Loans 1231136 $17,373,673 27 $3,924,249 13 $1,832,431 64 $57,592,714 240 $80,723,067 $432,407,000 1231/2137 $17.680,602 31 2
Slide 9: Capital
PEOPLES FINANCIAL CORPORATION | CAPITAL (in thousands) Book Value Total Primary Capital Year-End Per Share($) Capital ($) to Avg. Assets (%) 2018 17.49 86,450 14.36 2019 19.24 95,123 16.27 2020 19.54 95,331 15.69 1Q/21 19.36 94,460 13.79
Slide 10: Looking ahead into 2021: Why Invest in PFBX
PEOPLES FINANCIAL CORPORATION | Looking ahead into 2021 Why Invest in PFBX * City of Biloxi concluding Katrina related projects: $100MM by late 2022 « MS Gulf Coast scheduled to receive bulk of BP Settlement: $750MM over 20 years ¢ Huntington Ingalls expanding to accommodate two major ship contracts
Slide 11: Looking ahead into 2021: Why Invest in PFBX
PEOPLES FINANCIAL CORPORATION | Looking ahead into 2021 Why Invest in PFBX * Current primary capital to average assets: 13.79% ¢ Reestablished regular dividend payment * Completed stock repurchase plan: 245,000 shares redeemed ¢ Shareholder & Management interest are aligned
Slide 12: PEOPLES FINANCIAL CORPORATION
PEOPLES FINANCIAL CORPORATION
Slide 13: Information
PEOPLES FINANCIAL CORPORATION | Information Corporate Office Shareholder Information p Mailing Address Asset Management & Trust Department — P.O. Box 529 The Peoples Bank Biloxi, MS 39533 P.O. Box 1416 Biloxi, MS 39533-1416 (228)435-8208 Biyjate Aiea investorrelations@thepeoples.com 152 Lameuse St.
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