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Overview / Commentary
303-346-6300
7979 East Tufts Avenue, Suite 850
Denver, CO 80237

Northstar Bank of Colorado is headquartered in Denver and is the 11st largest bank in the state of Colorado. It is also the 1,097th largest bank in the nation. It was established in 1980 and as of June of 2014, it had grown to 158 employees at 21 locations. Northstar Bank of Colorado has a B health rating.

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Health

Data for Q2 2014

Institution Health

B

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Northstar Bank of Colorado had $24.02 million in non-current loans and owned real-estate with $107.12 million in equity and loan loss allowances on hand to cover it. This gives Northstar Bank of Colorado a Texas Ratio of 22.42% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Northstar Bank of Colorado increased slightly from 10.71% as of June 30, 2013 to 22.42% as of June 30, 2014, resulting in a negative change of 109.33%. This indicates that the balance sheet and financial strength for Northstar Bank of Colorado has declined slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Northstar Bank of Colorado has increased its total deposits by $329.81 million, resulting in 193.14% 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 Northstar Bank of Colorado has shown is excellent.

Capitalization

GRADE:
A+

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. Northstar Bank of Colorado has $611.04 million in assets with $107.12 million in equity, resulting in a capitalization level of 17.53%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #23058
Year Established1980
Employees158
Primary RegulatorFED
Assets and Liabilities
Assets$611.04 million
Loans$333.41 million
Deposits$500.58 million
Equity Capital$103.54 million
Loan Loss Allowance$3.58 million
Unbacked Noncurrent Loans$14.23 million
Real Estate Owned$9.79 million
Historic Data - June 2013
Assets$196.80 million
Equity Capital$23.58 million
Loan Loss Allowance$741,000
Unbacked Noncurrent Loans$14.23 million
Real Estate Owned$728,000
Profit Margin - Quarterly
Return on Assets0.35%
Return on Equity2.19%
Interest Income$12.22 million
Rates

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Locations


Northstar Bank of Colorado Locations
The Bank At Broadmoor155 Lake AvenueColorado Springs, CO 80906
3216 West Colorado Avenue Branch3216 West Colorado AvenueColorado Springs, CO 80904
Briargate Bank440 Chapel Hills DriveColorado Springs, CO 80920
Downtown Bank501 South TejonColorado Springs, CO 80903