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Overview / Commentary
800-873-4722
1099 18th Street, Suite 2700
Denver, CO 80202

Bankers' Bank of the West is headquartered in Denver and is the 20th largest bank in the state of Colorado. It is also the 2,063rd largest bank in the nation. It was established in 1980 and as of December of 2013, it had grown to 46 employees at 1 location. Bankers' Bank of the West has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A+

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, 2013 Bankers' Bank of the West had $2.6 million in non-current loans and owned real-estate with $46.02 million in equity and loan loss allowances on hand to cover it. This gives Bankers' Bank of the West a Texas Ratio of 5.65% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Bankers' Bank of the West decreased dramatically from 22.01% as of December 31, 2012 to 5.65% as of December 31, 2013, resulting in a positive change of 74.33%.This indicates that the balance sheet and financial strength for Bankers' Bank of the West has improved dramatically in recent periods.

Deposit Growth

GRADE:
F

In the past year, Bankers' Bank of the West has decreased its total deposits by -$59.58 million, resulting in -18.52% 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

GRADE:
A+

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 $316.71 million in assets with $46.02 million in equity, resulting in a capitalization level of 14.53%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #23210
Year Established1980
Employees46
Primary RegulatorFED
Assets and Liabilities
Assets$316.71 million
Loans$150.14 million
Deposits$262.13 million
Equity Capital$40.64 million
Loan Loss Allowance$5.38 million
Unbacked Noncurrent Loans$374,000
Real Estate Owned$2.23 million
Historic Data - December 2012
Assets$368.55 million
Equity Capital$37.44 million
Loan Loss Allowance$5.88 million
Unbacked Noncurrent Loans$374,000
Real Estate Owned$4.66 million
Profit Margin - Quarterly
Net Interest Margin2.41%
Return on Assets1.27%
Return on Equity11.17%
Interest Income$8.40 million
Rates
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Bankers' Bank of the West CD Rates

DetailsAPYMINMAXPRODUCT
0.65%$50k-18 Month Fixed-rate CD
0.63%$50k-12 Month Fixed-rate CD
0.43%$50k-6 Month Fixed-rate CD
0.43%$50k-9 Month Fixed-rate CD
Locations


Bankers' Bank of the West Locations
Bankers' Bank Of The West1099 18th Street, Suite 2700Denver, CO 80202