The Eastern Colorado Bank

The Eastern Colorado Bank is headquartered in Cheyenne Wells and is the 31^st largest bank in the state of Colorado. It is also the 2,699^th largest bank in the nation. It was established in 1944 and as of March of 2012, it had grown to 52 employees at 4 locations. The Eastern Colorado Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Eastern Colorado Bank FDIC Certificate # 16125 BankRate Report View Year Established 1944 Employees 52 Primary Regulator FDIC Assets and Liabilities Assets $238.08 million Loans $138.82 million Deposits $194.04 million Equity Capital $25.76 million Loan Loss Allowance $2.10 million Unbacked Noncurrent Loans $400,000 Real Estate Owned $1.50 million Historic Data - March 2011 Assets $215.23 million Equity Capital $22.94 million Loan Loss Allowance $1.81 million Unbacked Noncurrent Loans $3.10 million Real Estate Owned $1.83 million Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 1.55% Return on Equity 13.96% Interest Income $2.64 million

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 Eastern Colorado Bank had $1.9 million in non-current loans and owned real-estate with $27.86 million in equity and loan loss allowances on hand to cover it. This gives The Eastern Colorado Bank a Texas Ratio of 6.82% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Eastern Colorado Bank decreased significantly from 19.94% as of March 31, 2011 to 6.82% as of March 31, 2012, resulting in a positive change of 65.81%.This indicates that the balance sheet and financial strength for The Eastern Colorado Bank has improved significantly in recent periods. Deposit Growth In the past year, The Eastern Colorado Bank has increased its total deposits by $25.9 million, resulting in 15.4% 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 Eastern Colorado Bank 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 Eastern Colorado Bank has $238.08 million in assets with $27.86 million in equity, resulting in a capitalization level of 11.70%, which is above average.

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