Peoples National Bank Leadville in Leadville, Colorado (CO)



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Peoples National Bank Leadville routing number info

Table of contents:
Peoples National Bank Leadville
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Reorganization
Change in Location
Name Change
Office Sold
Financial SummaryTotal 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)
Total employees (full-time equivalent)7
Total assets$50,248
Cash and due from depository institutions$4,232
Interest-bearing balances$3,942
Securities$18,883
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$26,141
Loan loss allowance $264
Trading account assets$0
Bank premises and fixed assets$252
Other real estate owned$192
Goodwill and other intangibles$0
All other assets$548
Life insurance assets$50,248
Total liabilities and capital$45,733
Total liabilities$45,452
Total deposits$37,455
Interest-bearing deposits$45,452
Deposits held in domestic offices$87
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $281
All other liabilities $4,515
Total equity capital$4,515
Total bank equity capital$4,515
Perpetual preferred stock$0
Common stock$221
Surplus$2,602
Undivided profits $1,692
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $18,404
Income earned, not collected on loans $202
Earning assets $0
Long-term assets (5+ years) $119
Average Assets, year-to-date $48,966
Average Assets, quarterly $16,965
Volatile liabilities $47,393
Insider loans $50,114
FHLB advances $17,983
Loans and leases held for sale $49,827
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,239
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,586
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,289
Total interest expense $209
Net interest income $1,080
Provision for loan and lease losses -$119
Total noninterest income $341
Fiduciary activities $0
Service charges on deposit accounts $162
Trading account gains & fees $0
Additional noninterest income $179
Total noninterest expense $1,222
Salaries and employee benefits $584
Premises and equipment expense $122
Additional noninterest expense $516
Pre-tax net operating income $318
Securities gains (losses) $179
Applicable income taxes $132
Income before extraordinary items $365
Extraordinary gains - net $0
Net income attributable to bank $365
Net charge-offs $0
Cash dividends $365
Sale, conversion, retirement of capital stock, net $21
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 assets2.81%
Cost of funding earning assets 0.46%
Net interest margin 2.35%
Noninterest income to earning assets 0.74%
Noninterest expense to earning assets 2.66%
Net operating income to assets 0.49%
Return on assets (ROA) 0.77%
Pretax return on assets 1.05%
Return on equity (ROE) 8.46%
Retained earnings to average equity (YTD only) 8.46%
Net charge-offs to loans 0.13%
Credit loss provision to net charge-offs -566.67%
Efficiency ratio9.48%
Assets per employee$85,996
Cash dividends to net income (YTD only)7.18%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.00%
Noncurrent assets plus other real estate owned to assets 130.69%
Noncurrent loans to loans 0.78%
Net loans and leases to deposits0.77%
Net loans and leases to core deposits 57.51%
Equity capital to assets 62.52%
Core capital (leverage) ratio 8.99%
Tier 1 risk-based capital ratio 8.51%
Total risk-based capital ratio 23.57%
Memoranda
Average assets$25
Average earning assets$47,393
Average equity $4,316
Average loans $45,914
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1 Colorado Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010585Peoples National Bank Leadville400 Harrison Avenue, Leadville, CO 80461May 22, 1940Full Service Brick and Mortar
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