The First State Bank of Hotchkiss

The First State Bank of Hotchkiss is headquartered in Hotchkiss and is the 49^th largest bank in the state of Colorado. It is also the 3,423^rd largest bank in the nation. It was established in 1930 and as of March of 2012, it had grown to 64 employees at 5 locations. The First State Bank of Hotchkiss has a 3-star health rating.

Data for Q1 2012

Institution Statistics First State Bank of Colorado FDIC Certificate # 12373 BankRate Report View Year Established 1930 Employees 64 Primary Regulator FED Assets and Liabilities Assets $177.89 million Loans $106.82 million Deposits $153.42 million Equity Capital $24.34 million Loan Loss Allowance $1.97 million Unbacked Noncurrent Loans $3.40 million Real Estate Owned $9.77 million Historic Data - March 2011 Assets $180.03 million Equity Capital $23.84 million Loan Loss Allowance $2.82 million Unbacked Noncurrent Loans $3.72 million Real Estate Owned $8.89 million Profit Margin - Quarterly Net Interest Margin 4.57% Return on Assets 0.14% Return on Equity 1.05% Interest Income $1.96 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 First State Bank of Hotchkiss had $13.17 million in non-current loans and owned real-estate with $26.31 million in equity and loan loss allowances on hand to cover it. This gives The First State Bank of Hotchkiss a Texas Ratio of 50.06% 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 First State Bank of Hotchkiss held steady from 46.38% as of March 31, 2011 to 50.06% as of March 31, 2012, resulting in a negative change of 7.93%. This indicates that the balance sheet and financial strength for The First State Bank of Hotchkiss has held steady in recent periods. Deposit Growth In the past year, The First State Bank of Hotchkiss has decreased its total deposits by -$2.07 million, resulting in -1.33% 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 First State Bank of Hotchkiss 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 First State Bank of Hotchkiss has $177.89 million in assets with $26.31 million in equity, resulting in a capitalization level of 14.79%, which is excellent.

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