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Overview / Commentary
201 Main Street
Fowler, CO 81039

Fowler State Bank (CO) is headquartered in Fowler and is the 87th largest bank in the state of Colorado. It is also the 5,524th largest bank in the nation. It was established in 1899 and as of December of 2013, it had grown to 12 employees at 1 location. Fowler State Bank (CO) has a C+ health rating.

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Health

Data for Q4 2013

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Fowler State Bank (CO) has a relatively low asset base.

Texas Ratio

GRADE:
B+

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 December 31, 2013 Fowler State Bank (CO) had $1.21 million in non-current loans and owned real-estate with $10.51 million in equity and loan loss allowances on hand to cover it. This gives Fowler State Bank (CO) a Texas Ratio of 11.48% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Fowler State Bank (CO) increased slightly from 6.16% as of December 31, 2012 to 11.48% as of December 31, 2013, resulting in a negative change of 86.37%. This indicates that the balance sheet and financial strength for Fowler State Bank (CO) has declined slightly in recent periods.

Deposit Growth

GRADE:
C

In the past year, Fowler State Bank (CO) has decreased its total deposits by -$1.23 million, resulting in -2.04% 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 Fowler State Bank (CO) has shown is average.

Capitalization

GRADE:
A+

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. Fowler State Bank (CO) has $68.5 million in assets with $10.51 million in equity, resulting in a capitalization level of 15.34%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #12372
Year Established1899
Employees12
Primary RegulatorFDIC
Assets and Liabilities
Assets$68.51 million
Loans$30.50 million
Deposits$59.01 million
Equity Capital$9.34 million
Loan Loss Allowance$1.17 million
Unbacked Noncurrent Loans$1.21 million
Real Estate Owned$0
Historic Data - December 2012
Assets$69.18 million
Equity Capital$8.78 million
Loan Loss Allowance$1.04 million
Unbacked Noncurrent Loans$1.21 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.1%
Return on Assets0.87%
Return on Equity6.52%
Interest Income$2.39 million
Rates

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Locations


Fowler State Bank (CO) Locations
Fowler State Bank201 Main StreetFowler, CO 81039