Native American Bank, National Association

Native American Bank, National Association is headquartered in Denver and is the 91^st largest bank in the state of Colorado. It is also the 5,780^th largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 26 employees at 2 locations. Native American Bank, National Association has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Native American Bank, National Association FDIC Certificate # 27026 BankRate Report View Year Established 1987 Employees 26 Primary Regulator OCC Assets and Liabilities Assets $69.57 million Loans $50.07 million Deposits $61.00 million Equity Capital $8.21 million Loan Loss Allowance $1.52 million Unbacked Noncurrent Loans $2.14 million Real Estate Owned $219,000 Historic Data - March 2011 Assets $78.64 million Equity Capital $7.18 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $2.28 million Real Estate Owned $338,000 Profit Margin - Quarterly Net Interest Margin 4.12% Return on Assets -0.95% Return on Equity -7.96% 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 Native American Bank, National Association had $2.36 million in non-current loans and owned real-estate with $9.73 million in equity and loan loss allowances on hand to cover it. This gives Native American Bank, National Association a Texas Ratio of 24.23% 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 Native American Bank, National Association increased slightly from 16.32% as of March 31, 2011 to 24.23% as of March 31, 2012, resulting in a negative change of 48.48%. This indicates that the balance sheet and financial strength for Native American Bank, National Association has declined slightly in recent periods. Deposit Growth In the past year, Native American Bank, National Association has decreased its total deposits by -$10.09 million, resulting in -14.19% 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 Native American Bank, National Association has shown is poor. 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. Native American Bank, National Association has $69.57 million in assets with $9.73 million in equity, resulting in a capitalization level of 13.99%, which is excellent.

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