FDIC Certificate #: 16409 Status: Active Federal Reserve ID: 390457 Bank Holding Company (Regulatory Top Holder): Winter Trust Of 12/3/74 (RSSDID: 1995103, Location: Lawrence, KS) Date Established: May 22, 1940 WWW:http://www.epeoples.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 11141 FDIC's unique #: 10585 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: April 18, 1946 Last Structure Change Effective Date: November 02, 2007 Last Structure Change Process Date: December 13, 2007 Last Data Update: December 13, 2007 Data Source Date: April 05, 2012
Location
Address: 400 Harrison Avenue, Leadville, CO 80461 County: Lake Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Kansas City FDIC Field Office: Denver Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Edwards, CO (#20780) CBSA Micro Statistical Area: Yes
History of Changes
Participated in Reorganization
Change in Location
Name Change
Office Sold
Financial Summary
Total assets: $50.2 mil Equity capital: $4.5 mil Deposits held in domestic offices: $45.5 mil Return on assets (ROA): 0.77% ($0.4 mil) Quarterly return on assets: 0.79% ($0.4 mil) Return on Equity (ROE): 8.46% ($0.4 mil) Quarterly return on equity: 8.82% ($0.4 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.05% ($527.6 mil) Quarterly Pretax return on assets: 1.24% ($623.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
7Total employees (full-time equivalent)
$50,248Total assets
$4,232Cash and due from depository institutions
$3,942Interest-bearing balances
$18,883Securities
$0Federal funds sold & reverse repurchase agreements
$26,141Net loans & leases
$264Loan loss allowance
$0Trading account assets
$252Bank premises and fixed assets
$192Other real estate owned
$0Goodwill and other intangibles
$50,248Life insurance assets
$548All other assets
$45,733Total liabilities and capital
$45,452Total liabilities
$37,455Total deposits
$45,452Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$281Subordinated debt
$4,515All other liabilities
$4,515Total equity capital
$4,515Total bank equity capital
$0Perpetual preferred stock
$221Common stock
$2,602Surplus
$1,692Undivided profits
Memoranda
$0Noncurrent loans and leases
$18,404Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$202Income earned, not collected on loans
$0Earning assets
$119Long-term assets (5+ years)
$48,966Average Assets, year-to-date
$16,965Average Assets, quarterly
$47,393Volatile liabilities
$50,114Insider loans
$17,983FHLB advances
$49,827Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,239Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,586Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,289Total interest income
$209Total interest expense
$1,080Net interest income
-$119Provision for loan and lease losses
$341Total noninterest income
$0Fiduciary activities
$162Service charges on deposit accounts
$0Trading account gains & fees
$179Additional noninterest income
$1,222Total noninterest expense
$584Salaries and employee benefits
$122Premises and equipment expense
$516Additional noninterest expense
$318Pre-tax net operating income
$179Securities gains (losses)
$132Applicable income taxes
$365Income before extraordinary items
$0Extraordinary gains - net
$365Net income attributable to bank
$0Net charge-offs
$365Cash dividends
$21Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.81%Yield on earning assets
0.46%Cost of funding earning assets
2.35%Net interest margin
0.74%Noninterest income to earning assets
2.66%Noninterest expense to earning assets
0.49%Net operating income to assets
0.77%Return on assets (ROA)
1.05%Pretax return on assets
8.46%Return on equity (ROE)
8.46%Retained earnings to average equity (YTD only)
0.13%Net charge-offs to loans
-566.67%Credit loss provision to net charge-offs
9.48%Efficiency ratio
85,996Assets per employee
7.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.00%Loss allowance to noncurrent loans
130.69%Noncurrent assets plus other real estate owned to assets
0.78%Noncurrent loans to loans
0.77%Net loans and leases to deposits
57.51%Net loans and leases to core deposits
62.52%Equity capital to assets
8.99%Core capital (leverage) ratio
8.51%Tier 1 risk-based capital ratio
23.57%Total risk-based capital ratio
Memoranda
$25Average assets
$47,393Average earning assets
$4,316Average equity
$45,914Average loans
List of branches
1 Colorado Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10585
Peoples National Bank Leadville
400 Harrison Avenue, Leadville, CO 80461
May 22, 1940
Full Service Brick and Mortar
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