The Colorado Bank and Trust Company of La Junta

The Colorado Bank and Trust Company of La Junta is headquartered in La Junta and is the 80^th largest bank in the state of Colorado. It is also the 5,087^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 32 employees at 2 locations. The Colorado Bank and Trust Company of La Junta has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Colorado Bank and Trust Company of La Junta FDIC Certificate # 1141 BankRate Report View Year Established 1907 Employees 32 Primary Regulator FED Assets and Liabilities Assets $94.78 million Loans $43.21 million Deposits $85.75 million Equity Capital $8.08 million Loan Loss Allowance $2.54 million Unbacked Noncurrent Loans $3.25 million Real Estate Owned $358,000 Historic Data - March 2011 Assets $95.93 million Equity Capital $7.90 million Loan Loss Allowance $2.22 million Unbacked Noncurrent Loans $2.75 million Real Estate Owned $514,000 Profit Margin - Quarterly Net Interest Margin 4.09% Return on Assets 0.29% Return on Equity 3.39% Interest Income $911,000

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 Colorado Bank and Trust Company of La Junta had $3.61 million in non-current loans and owned real-estate with $10.61 million in equity and loan loss allowances on hand to cover it. This gives The Colorado Bank and Trust Company of La Junta a Texas Ratio of 34.01% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Colorado Bank and Trust Company of La Junta held steady from 29.21% as of March 31, 2011 to 34.01% as of March 31, 2012, resulting in a negative change of 16.41%. This indicates that the balance sheet and financial strength for The Colorado Bank and Trust Company of La Junta has held steady in recent periods. Deposit Growth In the past year, The Colorado Bank and Trust Company of La Junta has decreased its total deposits by -$1.38 million, resulting in -1.58% 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 Colorado Bank and Trust Company of La Junta 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 Colorado Bank and Trust Company of La Junta has $94.78 million in assets with $10.61 million in equity, resulting in a capitalization level of 11.20%, which is above average.

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