Collegiate Peaks Bank

Collegiate Peaks Bank is headquartered in Buena Vista and is the 37^th largest bank in the state of Colorado. It is also the 2,954^th largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 54 employees at 4 locations. Collegiate Peaks Bank has a 5-star health rating.

Collegiate Peaks Bank Routing Number: 102105997

Data for Q1 2012

Institution Statistics Collegiate Peaks Bank FDIC Certificate # 26916 BankRate Report View Year Established 1987 Employees 54 Primary Regulator FED Assets and Liabilities Assets $215.59 million Loans $146.95 million Deposits $177.48 million Equity Capital $30.49 million Loan Loss Allowance $2.16 million Unbacked Noncurrent Loans $240,000 Real Estate Owned $108,000 Historic Data - March 2011 Assets $194.13 million Equity Capital $25.33 million Loan Loss Allowance $1.73 million Unbacked Noncurrent Loans $256,000 Profit Margin - Quarterly Net Interest Margin 4.7% Return on Assets 0.97% Return on Equity 6.94% Interest Income $2.44 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 March 31, 2012 Collegiate Peaks Bank had $348,000 in non-current loans and owned real-estate with $32.64 million in equity and loan loss allowances on hand to cover it. This gives Collegiate Peaks Bank a Texas Ratio of 1.07% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Collegiate Peaks Bank held steady from 0.95% as of March 31, 2011 to 1.07% as of March 31, 2012, resulting in a negative change of 12.68%. This indicates that the balance sheet and financial strength for Collegiate Peaks Bank has held steady in recent periods. Deposit Growth In the past year, Collegiate Peaks Bank has increased its total deposits by $17.56 million, resulting in 10.98% 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 Collegiate Peaks Bank 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. Collegiate Peaks Bank has $215.59 million in assets with $32.64 million in equity, resulting in a capitalization level of 15.14%, which is excellent.

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