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Peoples Bank

Leadville, CO · Cert 16409

FDIC

Q1 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples Bank

Leadville, CO · Cert 16409

FDIC

Q1 2013

$53.1MAssets
$36.2MLoans
$45.6MDeposits
$4.8MEquity
Loan mix
99%RE $33.9M1%C&I $0.2M1%Consumer $0.2MQ1 2012Q1 2013
Deposit mix
82%Interest-bearing $37.2M18%Noninterest $8.4MQ1 2012Q1 2013

NIM

2.46%Q1 ’113.05%Q1 ’122.91%Q1 ’13+32%-2%

Non-interest income vs. expense

2.79%Q1 ’112.67%Q1 ’122.63%Q1 ’13-12%-1%

Executive Summary

  • Earnings: ROA of 0.48%, down 9 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 79.45% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

0.48%-9 bps YoY

Net Interest Margin (YTD, annualized)

2.60%-5 bps YoY

Efficiency Ratio (YTD, annualized)

78.24%+69 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.57%0.79%0.71%0.59%0.48%-9 bps
Return on Equity6.32%8.58%7.77%6.41%5.34%-99 bps
Net Interest Margin2.66%2.67%2.69%2.68%2.60%-5 bps
Efficiency Ratio77.55%78.49%78.39%81.51%78.24%+69 bps
Non-Interest Burden1.88%1.93%1.94%2.04%1.87%-1 bps
Growth
Asset Growth (YoY)9.60%9.41%2.94%5.19%5.02%-459 bps
Loan Growth (YoY)253%124.16%83.77%41.48%31.83%-22,151 bps
Deposit Growth (YoY)9.48%9.81%-1.85%-1.47%-0.46%-994 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.07%0.04%0.02%-0.01%0 bps
Allowance / Loans0.93%0.79%0.69%0.63%0.65%-28 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital22.49%23.34%21.40%20.73%22.25%-23 bps
Equity / Assets9.08%9.41%9.25%9.03%9.07%-1 bps
Liquidity & Funding
Loans / Deposits59.99%69.01%77.03%83.41%79.45%+1,946 bps
Liquid Assets / Assets4.43%7.67%3.53%2.82%3.30%-113 bps
CRE / Total Capitaln/an/an/an/an/an/an/a