Castle Rock Bank (CO)

Castle Rock Bank (CO) is headquartered in Castle Rock and is the 66^th largest bank in the state of Colorado. It is also the 4,805^th largest bank in the nation. It was established in 1974 and as of December of 2011, it had grown to 19 employees at 2 locations. Castle Rock Bank (CO) has a 3-star health rating.

Data for Q4 2011

Institution Statistics Castle Rock Bank FDIC Certificate # 90582 BankRate Report View Year Established 1974 Employees 19 Primary Regulator FED Assets and Liabilities Assets $105.27 million Loans $65.61 million Deposits $92.87 million Equity Capital $11.34 million Loan Loss Allowance $2.52 million Unbacked Noncurrent Loans $2.34 million Real Estate Owned $3.84 million Historic Data - December 2010 Assets $104.22 million Equity Capital $10.11 million Loan Loss Allowance $2.52 million Unbacked Noncurrent Loans $3.05 million Real Estate Owned $5.99 million Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 0.93% Return on Equity 9.04% Interest Income $4.68 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 Castle Rock Bank (CO) had $6.18 million in non-current loans and owned real-estate with $13.86 million in equity and loan loss allowances on hand to cover it. This gives Castle Rock Bank (CO) a Texas Ratio of 44.61% 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 Castle Rock Bank (CO) decreased slightly from 71.56% as of December 31, 2010 to 44.61% as of December 31, 2011, resulting in a positive change of 37.67%.This indicates that the balance sheet and financial strength for Castle Rock Bank (CO) has improved slightly in recent periods. Deposit Growth In the past year, Castle Rock Bank (CO) has decreased its total deposits by $-173,000, resulting in -0.19% 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 Castle Rock Bank (CO) has shown is average. 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. Castle Rock Bank (CO) has $105.27 million in assets with $13.86 million in equity, resulting in a capitalization level of 13.16%, which is excellent.

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