The Citizens State Bank of Ouray

The Citizens State Bank of Ouray is headquartered in Ouray and is the 78^th largest bank in the state of Colorado. It is also the 5,075^th largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 29 employees at 4 locations. The Citizens State Bank of Ouray has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Citizens State Bank of Ouray FDIC Certificate # 1779 BankRate Report View Year Established 1913 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $95.36 million Loans $31.73 million Deposits $84.29 million Equity Capital $9.97 million Loan Loss Allowance $429,000 Unbacked Noncurrent Loans $585,000 Historic Data - March 2011 Assets $81.51 million Equity Capital $9.47 million Loan Loss Allowance $443,000 Profit Margin - Quarterly Net Interest Margin 4.11% Return on Assets 1.86% Return on Equity 17.17% Interest Income $982,000

Institution Health Overall Score: 5 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 Citizens State Bank of Ouray had $585,000 in non-current loans and owned real-estate with $10.4 million in equity and loan loss allowances on hand to cover it. This gives The Citizens State Bank of Ouray a Texas Ratio of 5.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, The Citizens State Bank of Ouray has increased its total deposits by $13.2 million, resulting in 18.56% 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 Citizens State Bank of Ouray has shown is excellent. 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 Citizens State Bank of Ouray has $95.36 million in assets with $10.4 million in equity, resulting in a capitalization level of 10.91%, which is above average.

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