Bankers' Bank of the West

Bankers' Bank of the West is headquartered in Denver and is the 18^st largest bank in the state of Colorado. It is also the 1,791^st largest bank in the nation. It was established in 1980 and as of December of 2011, it had grown to 46 employees at 1 location. Bankers' Bank of the West has a 3-star health rating.

Bankers' Bank of the West CD Rates

Data for Q4 2011

Institution Statistics Bankers' Bank of the West FDIC Certificate # 23210 BankRate Report View Year Established 1980 Employees 46 Primary Regulator FED Assets and Liabilities Assets $367.37 million Loans $159.78 million Deposits $322.38 million Equity Capital $33.40 million Loan Loss Allowance $7.25 million Unbacked Noncurrent Loans $13.07 million Real Estate Owned $9.15 million Historic Data - December 2010 Assets $387.79 million Equity Capital $31.52 million Loan Loss Allowance $13.54 million Unbacked Noncurrent Loans $26.37 million Real Estate Owned $7.78 million Profit Margin - Quarterly Net Interest Margin 2.53% Return on Assets 0.5% Return on Equity 5.59% Interest Income $9.85 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 Bankers' Bank of the West had $22.21 million in non-current loans and owned real-estate with $40.65 million in equity and loan loss allowances on hand to cover it. This gives Bankers' Bank of the West a Texas Ratio of 54.64% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bankers' Bank of the West decreased slightly from 75.79% as of December 31, 2010 to 54.64% as of December 31, 2011, resulting in a positive change of 27.90%.This indicates that the balance sheet and financial strength for Bankers' Bank of the West has improved slightly in recent periods. Deposit Growth In the past year, Bankers' Bank of the West has decreased its total deposits by -$29.7 million, resulting in -8.44% 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 Bankers' Bank of the West 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. Bankers' Bank of the West has $367.37 million in assets with $40.65 million in equity, resulting in a capitalization level of 11.06%, which is above average.

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