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Overview / Commentary
633 24 Road
Grand Junction, CO 81505

Timberline Bank is headquartered in Grand Junction and is the 50th largest bank in the state of Colorado. It is also the 3,448th largest bank in the nation. It was established in 2004 and as of December of 2013, it had grown to 33 employees at 3 locations. Timberline Bank has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B

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 December 31, 2013 Timberline Bank had $3.93 million in non-current loans and owned real-estate with $19.88 million in equity and loan loss allowances on hand to cover it. This gives Timberline Bank a Texas Ratio of 19.78% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Timberline Bank experienced no significant changes from 16.14% as of December 31, 2012 to 19.78% as of December 31, 2013, resulting in a negative change of 22.54%. This indicates that the balance sheet and financial strength for Timberline Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Timberline Bank has increased its total deposits by $13.37 million, resulting in 10.15% 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 Timberline Bank has shown is excellent.

Capitalization

GRADE:
A

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. Timberline Bank has $167.86 million in assets with $19.88 million in equity, resulting in a capitalization level of 11.84%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57857
Year Established2004
Employees33
Primary RegulatorFDIC
Assets and Liabilities
Assets$167.86 million
Loans$118.62 million
Deposits$145.17 million
Equity Capital$17.50 million
Loan Loss Allowance$2.38 million
Unbacked Noncurrent Loans$3.08 million
Real Estate Owned$853,000
Historic Data - December 2012
Assets$154.99 million
Equity Capital$17.00 million
Loan Loss Allowance$2.22 million
Unbacked Noncurrent Loans$3.08 million
Real Estate Owned$180,000
Profit Margin - Quarterly
Net Interest Margin4.18%
Return on Assets0.52%
Return on Equity4.91%
Interest Income$6.96 million
Rates

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Locations


Timberline Bank Locations
Timberline Bank633 24 RoadGrand Junction, CO 81505
Aspen Branch720 East Hyman AvenueAspen, CO 81611
Montrose BranchOxbow DriveMontrose, CO 81401