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Peoples National Bank

Colorado Springs, CO · Cert 22211

FDIC · 6 branches

Q4 2017

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: Q4 2017, the quarter ended December 31, 2017, 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 National Bank

Colorado Springs, CO · Cert 22211

FDIC · 6 branches

Q4 2017

$393.0MAssets
$300.5MLoans
$310.5MDeposits
$41.7MEquity
Loan mix
87%RE $207.2M13%C&I $30.7M0%Consumer $0.6MQ4 2016Q4 2017
Deposit mix
71%Interest-bearing $219.3M29%Noninterest $91.2MQ4 2016Q4 2017

NIM

3.47%Q4 ’153.45%Q4 ’164.03%Q4 ’17-2%+16%

Non-interest income vs. expense

11.20%Q4 ’1510.48%Q4 ’169.94%Q4 ’17+19%+263%

Market Position · Colorado Springs, CO · 2017 SOD (annual) · 3.0% share · #7 of 39 inst. · $0.2B of $7.9B

2.9% El Paso
59.7% Lake
7.7% Teller

Executive Summary

  • Earnings: ROA of 1.88%, down 52 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.41% of loans (+41 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.34%, up 47 bps from a year ago.
  • Funding: loans stand at 96.79% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

1.88%-52 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+52 bps YoY

Efficiency Ratio (YTD, annualized)

75.87%+181 bps YoY

Tier 1 Leverage Ratio

10.34%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets2.41%1.24%1.63%1.82%1.88%-52 bps
Return on Equity24.84%12.40%16.21%17.83%18.35%-649 bps
Net Interest Margin3.28%3.72%3.72%3.71%3.80%+52 bps
Efficiency Ratio74.06%81.93%78.17%76.75%75.87%+181 bps
Non-Interest Burden-0.39%1.40%0.82%0.66%0.64%+103 bps
Growth
Asset Growth (YoY)17.48%9.68%16.35%-0.79%-5.38%-2,286 bps
Loan Growth (YoY)24.45%7.51%14.38%-3.66%-5.72%-3,018 bps
Deposit Growth (YoY)12.75%12.63%12.86%8.98%8.47%-428 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.33%0.34%0.36%0.41%+41 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%-0.01%-0.01%0 bps
Allowance / Loans0.74%0.93%0.92%0.96%1.03%+28 bps
Allowance Coverage of NPLsn/a2.8x2.7x2.7x2.5xn/a
Capital
Tier 1 Leverage Ratio9.87%10.86%10.65%10.64%10.34%+47 bps
Total Risk-Based Capital16.03%16.80%15.79%16.00%15.45%-58 bps
Equity / Assets9.54%10.53%10.13%10.60%10.60%+106 bps
Liquidity & Funding
Loans / Deposits111.36%94.31%103.42%98.54%96.79%-1,457 bps
Liquid Assets / Assets2.34%2.35%2.62%2.63%2.10%-24 bps
CRE / Total Capitaln/an/an/an/an/an/an/a