Alpine Bank

Alpine Bank is headquartered in Glenwood Springs and is the 3^rd largest bank in the state of Colorado. It is also the 308^th largest bank in the nation. It was established in 1980 and as of December of 2011, it had grown to 493 employees at 43 locations. Alpine Bank has a 3-star health rating.

Data for Q4 2011

Institution Statistics Alpine Bank FDIC Certificate # 23091 BankRate Report View Year Established 1980 Employees 493 Primary Regulator FDIC Assets and Liabilities Assets $2.26 billion Loans $1.33 billion Deposits $1.92 billion Equity Capital $269.57 million Loan Loss Allowance $45.92 million Unbacked Noncurrent Loans $60.76 million Real Estate Owned $17.94 million Historic Data - December 2010 Assets $2.37 billion Equity Capital $255.67 million Loan Loss Allowance $63.71 million Unbacked Noncurrent Loans $109.52 million Real Estate Owned $17.03 million Profit Margin - Quarterly Net Interest Margin 4.66% Return on Assets 0.59% Return on Equity 5.15% Interest Income $104.23 million

Institution Health Overall Score: 3 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 Alpine Bank had $78.7 million in non-current loans and owned real-estate with $315.49 million in equity and loan loss allowances on hand to cover it. This gives Alpine Bank a Texas Ratio of 24.95% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Alpine Bank decreased slightly from 39.62% as of December 31, 2010 to 24.95% as of December 31, 2011, resulting in a positive change of 37.04%.This indicates that the balance sheet and financial strength for Alpine Bank has improved slightly in recent periods. Deposit Growth In the past year, Alpine Bank has decreased its total deposits by -$125.09 million, resulting in -6.12% 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 Alpine Bank has shown is poor. 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. Alpine Bank has $2.26 billion in assets with $315.49 million in equity, resulting in a capitalization level of 13.98%, which is excellent.

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