Bank of the San Juans

Bank of the San Juans is headquartered in Durango and is the 29^th largest bank in the state of Colorado. It is also the 2,621^st largest bank in the nation. It was established in 1998 and as of December of 2011, it had grown to 44 employees at 3 locations. Bank of the San Juans has a 5-star health rating.

Bank of the San Juans Routing Number: 102106569

Data for Q4 2011

Institution Statistics Bank of the San Juans FDIC Certificate # 34873 BankRate Report View Year Established 1998 Employees 44 Primary Regulator FDIC Assets and Liabilities Assets $243.01 million Loans $131.33 million Deposits $195.07 million Equity Capital $27.29 million Loan Loss Allowance $4.19 million Unbacked Noncurrent Loans $264,000 Real Estate Owned $2.58 million Historic Data - December 2010 Assets $230.36 million Equity Capital $25.60 million Loan Loss Allowance $4.56 million Unbacked Noncurrent Loans $3.13 million Real Estate Owned $1.65 million Profit Margin - Quarterly Net Interest Margin 3.88% Return on Assets 0.51% Return on Equity 4.53% Interest Income $9.44 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 Bank of the San Juans had $2.84 million in non-current loans and owned real-estate with $31.48 million in equity and loan loss allowances on hand to cover it. This gives Bank of the San Juans a Texas Ratio of 9.02% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of the San Juans decreased significantly from 16.26% as of December 31, 2010 to 9.02% as of December 31, 2011, resulting in a positive change of 44.55%.This indicates that the balance sheet and financial strength for Bank of the San Juans has improved significantly in recent periods. Deposit Growth In the past year, Bank of the San Juans has increased its total deposits by $10.85 million, resulting in 5.89% 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 Bank of the San Juans 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. Bank of the San Juans has $243.01 million in assets with $31.48 million in equity, resulting in a capitalization level of 12.96%, which is excellent.

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