Del Norte Federal Bank

Del Norte Federal Bank is headquartered in Del Norte and is the 102^nd largest bank in the state of Colorado. It is also the 6,430^th largest bank in the nation. It was established in 1921 and as of March of 2012, it had grown to 11 employees at 1 location. Del Norte Federal Bank has a 4-star health rating.

Del Norte Federal Bank Routing Number: 302170162

Data for Q1 2012

Institution Statistics Del Norte Bank OTS # 02853 FDIC Certificate # 29066 BankRate Report View Year Established 1921 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $48.11 million Loans $39.62 million Deposits $39.85 million Equity Capital $3.98 million Loan Loss Allowance $279,000 Unbacked Noncurrent Loans $370,000 Real Estate Owned $103,000 Historic Data - March 2011 Assets $46.41 million Equity Capital $3.63 million Loan Loss Allowance $250,000 Unbacked Noncurrent Loans $6,000 Real Estate Owned $169,000 Profit Margin - Quarterly Net Interest Margin 4.71% Return on Assets 0.54% Return on Equity 6.48% Interest Income $634,000

Institution Health Overall Score: 4 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 Del Norte Federal Bank had $473,000 in non-current loans and owned real-estate with $4.26 million in equity and loan loss allowances on hand to cover it. This gives Del Norte Federal Bank a Texas Ratio of 11.11% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Del Norte Federal Bank held steady from 7.50% as of March 31, 2011 to 11.11% as of March 31, 2012, resulting in a negative change of 48.07%. This indicates that the balance sheet and financial strength for Del Norte Federal Bank has held steady in recent periods. Deposit Growth In the past year, Del Norte Federal Bank has increased its total deposits by $4.09 million, resulting in 11.43% 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 Del Norte Federal 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. Del Norte Federal Bank has $48.11 million in assets with $4.26 million in equity, resulting in a capitalization level of 8.85%, which is average.

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