Mancos Valley Bank

Mancos Valley Bank is headquartered in Mancos and is the 84^th largest bank in the state of Colorado. It is also the 5,424^th largest bank in the nation. It was established in 1964 and as of March of 2012, it had grown to 14 employees at 2 locations. Mancos Valley Bank has a 3-star health rating.

Mancos Valley Bank Routing Number: 102101218

Data for Q1 2012

Institution Statistics Mancos Valley Bank FDIC Certificate # 19205 BankRate Report View Year Established 1964 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $82.01 million Loans $39.86 million Deposits $74.60 million Equity Capital $7.29 million Loan Loss Allowance $1.34 million Unbacked Noncurrent Loans $1.17 million Real Estate Owned $351,000 Historic Data - March 2011 Assets $85.08 million Equity Capital $6.83 million Loan Loss Allowance $1.24 million Unbacked Noncurrent Loans $1.24 million Real Estate Owned $723,000 Profit Margin - Quarterly Net Interest Margin 3.37% Return on Assets 0.59% Return on Equity 6.84% Interest Income $764,000

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 Mancos Valley Bank had $1.52 million in non-current loans and owned real-estate with $8.63 million in equity and loan loss allowances on hand to cover it. This gives Mancos Valley Bank a Texas Ratio of 17.61% 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 Mancos Valley Bank decreased slightly from 24.37% as of March 31, 2011 to 17.61% as of March 31, 2012, resulting in a positive change of 27.73%.This indicates that the balance sheet and financial strength for Mancos Valley Bank has improved slightly in recent periods. Deposit Growth In the past year, Mancos Valley Bank has decreased its total deposits by -$3.41 million, resulting in -4.37% 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 Mancos Valley Bank has shown is below 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. Mancos Valley Bank has $82.01 million in assets with $8.63 million in equity, resulting in a capitalization level of 10.52%, which is above average.

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