5Star Bank

5Star Bank is headquartered in Colorado Springs and is the 43^rd largest bank in the state of Colorado. It is also the 3,256^th largest bank in the nation. It was established in 1980 and as of December of 2011, it had grown to 31 employees at 4 locations. 5Star Bank has a 5-star health rating.

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Data for Q4 2011

Institution Statistics 5Star Bank FDIC Certificate # 91005 BankRate Report View Year Established 1980 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $187.68 million Loans $91.53 million Deposits $147.24 million Equity Capital $38.67 million Loan Loss Allowance $1.38 million Real Estate Owned $932,000 Historic Data - December 2010 Assets $181.36 million Equity Capital $38.78 million Loan Loss Allowance $1.11 million Unbacked Noncurrent Loans $2.49 million Real Estate Owned $1.11 million Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets 0.23% Return on Equity 1.1% Interest Income $7.19 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 5Star Bank had $932,000 in non-current loans and owned real-estate with $40.05 million in equity and loan loss allowances on hand to cover it. This gives 5Star Bank a Texas Ratio of 2.33% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for 5Star Bank decreased significantly from 9.01% as of December 31, 2010 to 2.33% as of December 31, 2011, resulting in a positive change of 74.19%.This indicates that the balance sheet and financial strength for 5Star Bank has improved significantly in recent periods. Deposit Growth In the past year, 5Star Bank has increased its total deposits by $7.41 million, resulting in 5.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 5Star Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 5Star Bank has $187.68 million in assets with $40.05 million in equity, resulting in a capitalization level of 21.34%, which is excellent.

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