PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $0.2MQ2 2011Q1 2013
Deposit mix
82%Interest-bearing $37.2M18%Noninterest $8.4MQ2 2011Q1 2013

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.

Return on Assets (quarter, annualized)

0.48%-9 bps YoY

Net Interest Margin (quarter, annualized)

2.60%-5 bps YoY

Efficiency Ratio (quarter, annualized)

78.24%+69 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

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%

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets1.21%1.15%0.79%0.57%1.00%10.58%0.22%0.48%-9 bps
Return on Equity13.03%12.45%8.82%6.32%10.79%6.19%2.43%5.34%-99 bps
Net Interest Margin2.10%2.52%2.54%2.66%2.68%2.79%2.68%2.60%-5 bps
Efficiency Ratio84.38%84.17%74.81%77.55%79.44%78.19%90.87%78.24%+69 bps
Non-Interest Burden1.64%2.01%1.72%1.88%1.98%2.01%2.37%1.87%-1 bps
Growth
Asset Growth (YoY)1.43%9.52%11.24%9.60%9.41%2.94%5.19%5.02%-459 bps
Loan Growth (YoY)42.62%98.12%89.58%253%124.16%83.77%41.48%31.83%-22,151 bps
Deposit Growth (YoY)1.06%9.55%11.18%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.05%-0.01%0.16%-0.01%-0.01%-0.01%0 bps
Allowance / Loans2.15%1.44%1.00%0.93%0.79%0.69%0.63%0.65%-28 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital31.32%27.85%24.83%22.49%23.34%21.40%20.73%22.25%-23 bps
Equity / Assets9.56%8.93%8.99%9.08%9.41%9.25%9.03%9.07%-1 bps
Liquidity & Funding
Loans / Deposits33.80%41.14%58.09%59.99%69.01%77.03%83.41%79.45%+1,946 bps
Liquid Assets / Assets16.10%15.75%7.85%4.43%7.67%3.53%2.82%3.30%-113 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a