High Plains Bank (CO)

High Plains Bank (CO) is headquartered in Flagler and is the 67^th largest bank in the state of Colorado. It is also the 4,811^st largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 35 employees at 3 locations. High Plains Bank (CO) has a 4-star health rating.

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Data for Q1 2012

Institution Statistics High Plains Bank FDIC Certificate # 3017 BankRate Report View Year Established 1908 Employees 35 Primary Regulator FED Assets and Liabilities Assets $105.53 million Loans $60.50 million Deposits $90.78 million Equity Capital $10.79 million Loan Loss Allowance $1.45 million Unbacked Noncurrent Loans $1.14 million Real Estate Owned $1.94 million Historic Data - March 2011 Assets $96.83 million Equity Capital $10.16 million Loan Loss Allowance $1.78 million Unbacked Noncurrent Loans $5.52 million Real Estate Owned $556,000 Profit Margin - Quarterly Net Interest Margin 4.43% Return on Assets 1.64% Return on Equity 15.73% Interest Income $1.18 million

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 High Plains Bank (CO) had $3.08 million in non-current loans and owned real-estate with $12.24 million in equity and loan loss allowances on hand to cover it. This gives High Plains Bank (CO) a Texas Ratio of 25.14% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for High Plains Bank (CO) decreased significantly from 50.87% as of March 31, 2011 to 25.14% as of March 31, 2012, resulting in a positive change of 50.58%.This indicates that the balance sheet and financial strength for High Plains Bank (CO) has improved significantly in recent periods. Deposit Growth In the past year, High Plains Bank (CO) has increased its total deposits by $8.38 million, resulting in 10.17% 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 High Plains Bank (CO) 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. High Plains Bank (CO) has $105.53 million in assets with $12.24 million in equity, resulting in a capitalization level of 11.60%, which is above average.

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