First National Bank of the Rockies

First National Bank of the Rockies is headquartered in Grand Junction and is the 19^st largest bank in the state of Colorado. It is also the 1,926^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 102 employees at 10 locations. First National Bank of the Rockies has a 3-star health rating.

Data for Q1 2012

Institution Statistics First National Bank of the Rockies FDIC Certificate # 3041 BankRate Report View Year Established 1904 Employees 102 Primary Regulator OCC Assets and Liabilities Assets $341.72 million Loans $114.23 million Deposits $307.50 million Equity Capital $30.18 million Loan Loss Allowance $4.18 million Unbacked Noncurrent Loans $9.63 million Real Estate Owned $6.30 million Historic Data - March 2011 Assets $323.91 million Equity Capital $24.28 million Loan Loss Allowance $6.87 million Unbacked Noncurrent Loans $17.97 million Real Estate Owned $3.16 million Profit Margin - Quarterly Net Interest Margin 3.58% Return on Assets 0.4% Return on Equity 4.74% Interest Income $2.94 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 First National Bank of the Rockies had $15.94 million in non-current loans and owned real-estate with $34.36 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of the Rockies a Texas Ratio of 46.38% 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 First National Bank of the Rockies decreased slightly from 67.67% as of March 31, 2011 to 46.38% as of March 31, 2012, resulting in a positive change of 31.47%.This indicates that the balance sheet and financial strength for First National Bank of the Rockies has improved slightly in recent periods. Deposit Growth In the past year, First National Bank of the Rockies has increased its total deposits by $11.57 million, resulting in 3.91% 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 First National Bank of the Rockies has shown is above 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. First National Bank of the Rockies has $341.72 million in assets with $34.36 million in equity, resulting in a capitalization level of 10.05%, which is above average.

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