MontroseBank

MontroseBank is headquartered in Montrose and is the 35^th largest bank in the state of Colorado. It is also the 2,838^th largest bank in the nation. It was established in 1971 and as of March of 2012, it had grown to 55 employees at 6 locations. MontroseBank has a 4-star health rating.

MontroseBank Routing Number: 302173732

Data for Q1 2012

Institution Statistics MontroseBank FDIC Certificate # 90528 BankRate Report View Year Established 1971 Employees 55 Primary Regulator FED Assets and Liabilities Assets $225.04 million Loans $109.91 million Deposits $201.24 million Equity Capital $23.49 million Loan Loss Allowance $2.16 million Unbacked Noncurrent Loans $2.81 million Real Estate Owned $1.95 million Historic Data - March 2011 Assets $211.06 million Equity Capital $20.94 million Loan Loss Allowance $2.27 million Unbacked Noncurrent Loans $3.32 million Real Estate Owned $966,000 Profit Margin - Quarterly Net Interest Margin 4.41% Return on Assets 1.8% Return on Equity 17.22% Interest Income $2.45 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 MontroseBank had $4.76 million in non-current loans and owned real-estate with $25.64 million in equity and loan loss allowances on hand to cover it. This gives MontroseBank a Texas Ratio of 18.54% 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 MontroseBank held steady from 18.47% as of March 31, 2011 to 18.54% as of March 31, 2012, resulting in a negative change of 0.39%. This indicates that the balance sheet and financial strength for MontroseBank has held steady in recent periods. Deposit Growth In the past year, MontroseBank has increased its total deposits by $11.46 million, resulting in 6.04% 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 MontroseBank 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. MontroseBank has $225.04 million in assets with $25.64 million in equity, resulting in a capitalization level of 11.40%, which is above average.

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