Rocky Mountain Bank & Trust Florence

Rocky Mountain Bank & Trust Florence is headquartered in Florence and is the 71^st largest bank in the state of Colorado. It is also the 4,889^th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 26 employees at 2 locations. Rocky Mountain Bank & Trust Florence has a 1-star health rating.

Data for Q1 2012

Institution Statistics Rocky Mountain Bank & Trust Florence FDIC Certificate # 3019 BankRate Report View Year Established 1900 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $102.45 million Loans $31.44 million Deposits $98.96 million Equity Capital $3.12 million Loan Loss Allowance $1.41 million Unbacked Noncurrent Loans $2.91 million Real Estate Owned $3.07 million Historic Data - March 2011 Assets $128.84 million Equity Capital $4.50 million Loan Loss Allowance $843,000 Unbacked Noncurrent Loans $6.94 million Real Estate Owned $4.00 million Profit Margin - Quarterly Net Interest Margin 4.81% Return on Assets 1.96% Return on Equity 88.87% Interest Income $1.31 million

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 Rocky Mountain Bank & Trust Florence had $5.98 million in non-current loans and owned real-estate with $4.52 million in equity and loan loss allowances on hand to cover it. This gives Rocky Mountain Bank & Trust Florence a Texas Ratio of 132.07% 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 Rocky Mountain Bank & Trust Florence decreased slightly from 204.85% as of March 31, 2011 to 132.07% as of March 31, 2012, resulting in a positive change of 35.53%.This indicates that the balance sheet and financial strength for Rocky Mountain Bank & Trust Florence has improved slightly in recent periods. Deposit Growth In the past year, Rocky Mountain Bank & Trust Florence has decreased its total deposits by -$21.42 million, resulting in -17.8% 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 Rocky Mountain Bank & Trust Florence 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. Rocky Mountain Bank & Trust Florence has $102.44 million in assets with $4.52 million in equity, resulting in a capitalization level of 4.42%, which is poor.

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