Colorado Community Bank

Colorado Community Bank is headquartered in Yuma and is the 14^st largest bank in the state of Colorado. It is also the 1,283^rd largest bank in the nation. It was established in 1982 and as of March of 2012, it had grown to 92 employees at 18 locations. Colorado Community Bank has a 3-star health rating.

Colorado Community Bank Routing Number: 102104419

Data for Q1 2012

Institution Statistics Colorado Community Bank FDIC Certificate # 24247 BankRate Report View Year Established 1982 Employees 92 Primary Regulator FED Assets and Liabilities Assets $528.62 million Loans $384.33 million Deposits $467.28 million Equity Capital $57.25 million Loan Loss Allowance $11.84 million Unbacked Noncurrent Loans $30.04 million Real Estate Owned $2.63 million Historic Data - March 2011 Assets $535.69 million Equity Capital $56.64 million Loan Loss Allowance $11.48 million Unbacked Noncurrent Loans $4.49 million Real Estate Owned $4.76 million Profit Margin - Quarterly Net Interest Margin 4.45% Return on Assets 0.34% Return on Equity 3.16% Interest Income $6.35 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 March 31, 2012 Colorado Community Bank had $32.66 million in non-current loans and owned real-estate with $69.09 million in equity and loan loss allowances on hand to cover it. This gives Colorado Community Bank a Texas Ratio of 47.28% 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 Colorado Community Bank increased slightly from 13.58% as of March 31, 2011 to 47.28% as of March 31, 2012, resulting in a negative change of 248.16%. This indicates that the balance sheet and financial strength for Colorado Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Colorado Community Bank has decreased its total deposits by -$5.45 million, resulting in -1.15% 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 Colorado Community Bank has shown is below 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. Colorado Community Bank has $528.62 million in assets with $69.09 million in equity, resulting in a capitalization level of 13.07%, which is excellent.

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