Park State Bank & Trust

Park State Bank & Trust is headquartered in Woodland Park and is the 83^rd largest bank in the state of Colorado. It is also the 5,372^nd largest bank in the nation. It was established in 1965 and as of March of 2012, it had grown to 30 employees at 1 location. Park State Bank & Trust has a 1-star health rating.

Park State Bank & Trust Routing Number: 102101250

Data for Q1 2012

Institution Statistics Park State Bank & Trust FDIC Certificate # 19381 BankRate Report View Year Established 1965 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $84.14 million Loans $45.66 million Deposits $78.40 million Equity Capital $5.41 million Loan Loss Allowance $1.27 million Unbacked Noncurrent Loans $1.80 million Real Estate Owned $7.15 million Historic Data - March 2011 Assets $86.24 million Equity Capital $5.10 million Loan Loss Allowance $1.22 million Unbacked Noncurrent Loans $1.34 million Real Estate Owned $8.13 million Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets -0.83% Return on Equity -12.64% Interest Income $861,000

Institution Health Overall Score: 1 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 Park State Bank & Trust had $8.94 million in non-current loans and owned real-estate with $6.68 million in equity and loan loss allowances on hand to cover it. This gives Park State Bank & Trust a Texas Ratio of 133.79% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Park State Bank & Trust held steady from 149.73% as of March 31, 2011 to 133.79% as of March 31, 2012, resulting in a positive change of 10.64%.This indicates that the balance sheet and financial strength for Park State Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Park State Bank & Trust has decreased its total deposits by -$2.37 million, resulting in -2.93% 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 Park State Bank & Trust 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. Park State Bank & Trust has $84.14 million in assets with $6.68 million in equity, resulting in a capitalization level of 7.94%, which is below average.

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