Colorado East Bank & Trust

Colorado East Bank & Trust is headquartered in Lamar and is the 11^st largest bank in the state of Colorado. It is also the 836^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 222 employees at 18 locations. Colorado East Bank & Trust has a 3-star health rating.

Data for Q1 2012

Institution Statistics Colorado East Bank & Trust FDIC Certificate # 3027 BankRate Report View Year Established 1905 Employees 222 Primary Regulator FDIC Assets and Liabilities Assets $790.05 million Loans $468.15 million Deposits $698.94 million Equity Capital $87.15 million Loan Loss Allowance $13.88 million Unbacked Noncurrent Loans $34.90 million Real Estate Owned $22.89 million Historic Data - March 2011 Assets $858.59 million Equity Capital $90.20 million Loan Loss Allowance $10.63 million Unbacked Noncurrent Loans $43.96 million Real Estate Owned $18.09 million Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets -0.68% Return on Equity -6.15% Interest Income $8.58 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 East Bank & Trust had $57.79 million in non-current loans and owned real-estate with $101.03 million in equity and loan loss allowances on hand to cover it. This gives Colorado East Bank & Trust a Texas Ratio of 57.21% 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 East Bank & Trust held steady from 61.48% as of March 31, 2011 to 57.21% as of March 31, 2012, resulting in a positive change of 6.96%.This indicates that the balance sheet and financial strength for Colorado East Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Colorado East Bank & Trust has decreased its total deposits by -$60.45 million, resulting in -7.96% 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 East Bank & Trust 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. Colorado East Bank & Trust has $790.05 million in assets with $101.03 million in equity, resulting in a capitalization level of 12.79%, which is excellent.

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