Mountain View Bank of Commerce

Mountain View Bank of Commerce is headquartered in Westminster and is the 100^th largest bank in the state of Colorado. It is also the 6,353^rd largest bank in the nation. It was established in 2008 and as of September of 2011, it had grown to 9 employees at 1 location. Mountain View Bank of Commerce's savings rates are 83% higher than the national average, and it has a 4-star health rating.

Mountain View Bank of Commerce Routing Number: 107007375

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Data for Q3 2011

Institution Statistics Mountain View Bank of Commerce FDIC Certificate # 58772 BankRate Report View Year Established 2008 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $52.22 million Loans $38.32 million Deposits $42.17 million Equity Capital $7.44 million Loan Loss Allowance $750,000 Unbacked Noncurrent Loans $24,000 Real Estate Owned $1.01 million Historic Data - September 2010 Assets $55.49 million Equity Capital $7.25 million Loan Loss Allowance $789,000 Unbacked Noncurrent Loans $550,000 Profit Margin - Quarterly Net Interest Margin 3.72% Return on Assets 0.24% Return on Equity 1.88% Interest Income $2.00 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 September 30, 2011 Mountain View Bank of Commerce had $1.03 million in non-current loans and owned real-estate with $8.19 million in equity and loan loss allowances on hand to cover it. This gives Mountain View Bank of Commerce a Texas Ratio of 12.62% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mountain View Bank of Commerce held steady from 11.06% as of September 30, 2010 to 12.62% as of September 30, 2011, resulting in a negative change of 14.07%. This indicates that the balance sheet and financial strength for Mountain View Bank of Commerce has held steady in recent periods. Deposit Growth In the past year, Mountain View Bank of Commerce has decreased its total deposits by -$1.8 million, resulting in -4.1% 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 Mountain View Bank of Commerce 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. Mountain View Bank of Commerce has $52.22 million in assets with $8.19 million in equity, resulting in a capitalization level of 15.68%, which is excellent.

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