The Bank of Denver

810 East 17th Avenue
Denver, CO 80218
303-623-0624
www.thebankofdenver.com

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The Bank of Denver is headquartered in Denver and is the 47^th largest bank in the state of Colorado. It is also the 3,359^th largest bank in the nation. It was established in 1941 and as of March of 2012, it had grown to 54 employees at 5 locations. The Bank of Denver has a 3-star health rating.

2.33% 12-Month CD at The Bank of Denver - Local Only - 8/23/2009

The Bank of Denver is offering a 2.33% APY 1-year CD. Minimum deposit is $5,000. The bank is also offering a 2.79% APY 18-month IRA CD. These rates are listed in the bank's rates page as of 8/23/09.The 1-year CD is an Option CD which allows a one-time...

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See Rates for: Checking | Savings | Money Market | CD | IRA

The Bank of Denver Checking Account Rates

	Apy	Min	Max	Product
	0.15%	$100	-	NOW Account

The Bank of Denver Savings Account Rates

Apy	Min	Max	Product
0.25%	$100	-	Regular Savings
0.25%	$100	-	CBT and GVA Union Accounts
0.20%	$100	-	Business Savings

The Bank of Denver Money Market Rates

Apy	Min	Max	Product
0.35%	$250k	-	Personal Money Market Account
0.35%	$250k	-	Business Money Market Account

The Bank of Denver CD Rates

Apy	Min	Max	Product
0.45%	$1k	-	1 Year CD
0.45%	$5k	-	1 Year Option CD
0.45%	$95k	-	1 Year Jumbo CD
0.40%	$95k	-	90 Day Jumbo CD
0.40%	$95k	-	6 Month Jumbo CD

The Bank of Denver IRA Rates

Apy	Min	Max	Product
0.85%	$50	-	1 1/2 Year Fixed IRA
0.85%	$50	-	1 1/2 Year Fixed Roth IRA
0.85%	$50	-	1 1/2 Year Fixed SEP IRA
0.85%	$50	-	1 1/2 Year Variable SEP IRA
0.85%	$50	-	1 1/2 Year Fixed CESA
0.85%	$50	-	1 1/2 Year Fixed SIMPLE IRA
0.85%	$50	-	1 1/2 Year Variable CESA
0.85%	$50	-	1 1/2 Year Variable IRA
0.85%	$50	-	1 1/2 Year Variable Roth IRA
0.85%	$50	-	1 1/2 Year Variable SIMPLE IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

The Bank of Denver
FDIC Certificate #	17244
BankRate Report	View
Year Established	1941
Employees	54
Primary Regulator	FDIC
Assets and Liabilities
Assets	$181.96 million
Loans	$111.03 million
Deposits	$162.02 million
Equity Capital	$19.31 million
Loan Loss Allowance	$1.36 million
Unbacked Noncurrent Loans	$515,000
Real Estate Owned	$2.83 million
Historic Data - March 2011
Assets	$190.16 million
Equity Capital	$18.75 million
Loan Loss Allowance	$1.18 million
Unbacked Noncurrent Loans	$531,000
Real Estate Owned	$2.54 million
Profit Margin - Quarterly
Net Interest Margin	4.41%
Return on Assets	0.67%
Return on Equity	6.52%
Interest Income	$2.03 million

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 The Bank of Denver had $3.34 million in non-current loans and owned real-estate with $20.66 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Denver a Texas Ratio of 16.18% 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 The Bank of Denver held steady from 15.41% as of March 31, 2011 to 16.18% as of March 31, 2012, resulting in a negative change of 5.01%. This indicates that the balance sheet and financial strength for The Bank of Denver has held steady in recent periods.
Deposit Growth
In the past year, The Bank of Denver has decreased its total deposits by -$3.71 million, resulting in -2.24% 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 The Bank of Denver 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. The Bank of Denver has $181.96 million in assets with $20.66 million in equity, resulting in a capitalization level of 11.36%, which is above average.