Peoples National Bank in Colorado Springs, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples National Bank - Overview

  • General
  • FDIC Certificate #: 22211
    Status: Active
    Federal Reserve ID: 602356
    Bank Holding Company (Regulatory Top Holder): Winter Trust Of 12/3/74 (RSSDID: 1995103, Location: Lawrence, KS)
    Date Established: January 16, 1976
    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: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 11057
    FDIC's unique #: 15431
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 16, 1976
    Last Structure Change Effective Date: November 05, 2007
    Last Structure Change Process Date: December 13, 2007
    Last Data Update: December 13, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 5175 North Academy Boulevard, Colorado Springs, CO 80918
    County: El Paso
    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
    Metropolitan Statistical Area (MSA): Colorado Springs, CO (#1720)
    Core Based Statistical Area (CBSA): Colorado Springs, CO (#17820)
    CBSA Metro Statistical Area: Colorado Springs, CO (#17820)
  • History of Changes
  • Change in Location
    Name Change
  • Financial Summary
  • Total assets: $196.6 mil
    Equity capital: $19.1 mil
    Deposits held in domestic offices: $148.0 mil
    Return on assets (ROA): 0.99% ($2.0 mil)
    Quarterly return on assets: 1.30% ($2.6 mil)
    Return on Equity (ROE): 9.71% ($1.8 mil)
    Quarterly return on equity: 12.94% ($2.5 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.35% ($2,654.2 mil)
    Quarterly Pretax return on assets: 2.06% ($4,050.2 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
  • 211Total employees (full-time equivalent)
  • $196,611Total assets
  • $9,903Cash and due from depository institutions
  • $8,668Interest-bearing balances
  • $18,426Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $146,519Net loans & leases
  • $2,707Loan loss allowance
  • $0Trading account assets
  • $11,033Bank premises and fixed assets
  • $4,838Other real estate owned
  • $252Goodwill and other intangibles
  • $196,611Life insurance assets
  • $5,640All other assets
  • $177,496Total liabilities and capital
  • $148,045Total liabilities
  • $115,336Total deposits
  • $148,045Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $23,720Trading liabilities
  • $0Other borrowed funds
  • $5,731Subordinated debt
  • $19,115All other liabilities
  • $19,115Total equity capital
  • $19,115Total bank equity capital
  • $0Perpetual preferred stock
  • $288Common stock
  • $19,840Surplus
  • $-1,013Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $74,203Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,184Income earned, not collected on loans
  • $0Earning assets
  • $305Long-term assets (5+ years)
  • $173,613Average Assets, year-to-date
  • $50,136Average Assets, quarterly
  • $177,793Volatile liabilities
  • $187,912Insider loans
  • $115,393FHLB advances
  • $189,026Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,671Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,306Restructured Loans and leases
  • $19Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,561Total interest income
  • $641Total interest expense
  • $5,920Net interest income
  • $53Provision for loan and lease losses
  • $20,930Total noninterest income
  • $0Fiduciary activities
  • $578Service charges on deposit accounts
  • $0Trading account gains & fees
  • $20,352Additional noninterest income
  • $24,543Total noninterest expense
  • $17,230Salaries and employee benefits
  • $1,982Premises and equipment expense
  • $5,331Additional noninterest expense
  • $2,254Pre-tax net operating income
  • $149Securities gains (losses)
  • $651Applicable income taxes
  • $1,752Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,752Net income attributable to bank
  • $0Net charge-offs
  • $1,752Cash dividends
  • $164Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 0.42%Cost of funding earning assets
  • 3.85%Net interest margin
  • 13.60%Noninterest income to earning assets
  • 15.94%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 9.71%Return on equity (ROE)
  • 9.71%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 32.32%Credit loss provision to net charge-offs
  • 14.07%Efficiency ratio
  • 91,408Assets per employee
  • 0.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.81%Loss allowance to noncurrent loans
  • 123.95%Noncurrent assets plus other real estate owned to assets
  • 3.57%Noncurrent loans to loans
  • 1.46%Net loans and leases to deposits
  • 98.97%Net loans and leases to core deposits
  • 100.38%Equity capital to assets
  • 9.72%Core capital (leverage) ratio
  • 9.35%Tier 1 risk-based capital ratio
  • 15.31%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $177,793Average earning assets
  • $18,041Average equity
  • $153,925Average loans

List of branches

  • 8 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015431Peoples National Bank5175 North Academy Boulevard, Colorado Springs, CO 80918January 16, 1976Full Service Brick and Mortar
    12419207Plaza Branch551 Highway 105, Monument, CO 80132April 21, 2003Limited Service Facility
    16469596Monument Branch1899 Woodmoor Drive, Monument, CO 80132November 05, 2007Full Service Brick and Mortar
    17254233Gleneagle Branch13725 Struthers Road Suite 1, Colorado Springs, CO 80921March 25, 1996Full Service Brick and Mortar
    19288112Widefield Branch101 Fontaine Boulevard, Colorado Springs, CO 80911March 03, 1993Full Service Brick and Mortar
    22468105Fountain Branch6830 Mesa Ridge Parkway, Fountain, CO 80817August 21, 2007Full Service Brick and Mortar
    24477819North Tejon Branch19 North Tejon, Ste 100, Colorado Springs, CO 80903December 17, 2007Full Service Brick and Mortar
    25477820Woodland Park Branch651 Scott Avenue, Woodland Park, CO 80863January 14, 2008Full Service Brick and Mortar

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