Peoples National Bank in Colorado Springs, Colorado (CO)



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Peoples National Bank routing number info

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Peoples National Bank
GeneralFDIC 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
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: 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
LocationAddress: 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 ChangesChange in Location
Name Change
Financial SummaryTotal 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)
Total employees (full-time equivalent)211
Total assets$196,611
Cash and due from depository institutions$9,903
Interest-bearing balances$8,668
Securities$18,426
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$146,519
Loan loss allowance $2,707
Trading account assets$0
Bank premises and fixed assets$11,033
Other real estate owned$4,838
Goodwill and other intangibles$252
All other assets$5,640
Life insurance assets$196,611
Total liabilities and capital$177,496
Total liabilities$148,045
Total deposits$115,336
Interest-bearing deposits$148,045
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$23,720
Other borrowed funds $0
Subordinated debt $5,731
All other liabilities $19,115
Total equity capital$19,115
Total bank equity capital$19,115
Perpetual preferred stock$0
Common stock$288
Surplus$19,840
Undivided profits $-1,013
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $74,203
Income earned, not collected on loans $2,184
Earning assets $0
Long-term assets (5+ years) $305
Average Assets, year-to-date $173,613
Average Assets, quarterly $50,136
Volatile liabilities $177,793
Insider loans $187,912
FHLB advances $115,393
Loans and leases held for sale $189,026
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $17,671
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,306
Derivatives$19
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,561
Total interest expense $641
Net interest income $5,920
Provision for loan and lease losses $53
Total noninterest income $20,930
Fiduciary activities $0
Service charges on deposit accounts $578
Trading account gains & fees $0
Additional noninterest income $20,352
Total noninterest expense $24,543
Salaries and employee benefits $17,230
Premises and equipment expense $1,982
Additional noninterest expense $5,331
Pre-tax net operating income $2,254
Securities gains (losses) $149
Applicable income taxes $651
Income before extraordinary items $1,752
Extraordinary gains - net $0
Net income attributable to bank $1,752
Net charge-offs $0
Cash dividends $1,752
Sale, conversion, retirement of capital stock, net $164
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.26%
Cost of funding earning assets 0.42%
Net interest margin 3.85%
Noninterest income to earning assets 13.60%
Noninterest expense to earning assets 15.94%
Net operating income to assets 0.92%
Return on assets (ROA) 0.99%
Pretax return on assets 1.35%
Return on equity (ROE) 9.71%
Retained earnings to average equity (YTD only) 9.71%
Net charge-offs to loans 0.14%
Credit loss provision to net charge-offs 32.32%
Efficiency ratio14.07%
Assets per employee$91,408
Cash dividends to net income (YTD only)0.93%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.81%
Noncurrent assets plus other real estate owned to assets 123.95%
Noncurrent loans to loans 3.57%
Net loans and leases to deposits1.46%
Net loans and leases to core deposits 98.97%
Equity capital to assets 100.38%
Core capital (leverage) ratio 9.72%
Tier 1 risk-based capital ratio 9.35%
Total risk-based capital ratio 15.31%
Memoranda
Average assets$17
Average earning assets$177,793
Average equity $18,041
Average loans $153,925
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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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