First Colorado National Bank

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
2.02%	Reward Checking	Kasasa Cash 1.75% - National Average
1.00%	Reward Savings	Kasasa Saver 0.77% - National Average
1.00%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD

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Overview / Commentary

www.firstcoloradobank.com

970-527-4141

133 Grand Avenue
Paonia, CO 81428

First Colorado National Bank is headquartered in Paonia and is the 85^th largest bank in the state of Colorado. It is also the 5,232^nd largest bank in the nation. It was established in 1903 and as of June of 2016, it had grown to 32 employees at 2 locations. First Colorado National Bank has an A health rating.

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Health

A

Data as of Q2 2016

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First Colorado National Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	3047
Year Established	1903
Employees	32
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	3.32%
Return on Equity - YTD	17.89%
Annual Interest Income	$1.6MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$60.2MM$53.8MM
Loans	Q2 2016vs Q2 2015	$44.5MM$45.4MM
Deposits	Q2 2016vs Q2 2015	$48.5MM$40.3MM
Equity Capital	Q2 2016vs Q2 2015	$11.5MM$10.6MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$877.00K$962.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$527.00K$506.00K
Real Estate Owned	Q2 2016vs Q2 2015	$27.00K$132.00K

Rates

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Money Market
Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Colorado National Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	-	$100k	Kasasa Saver
OTHER TIERS: 0.75% → $100k+
0.60%	$100	-	Individual Retirement Accounts
0.60%	$100	-	Roth IRA
0.05%	$100	-	Regular Savings Account
0.05%	-	-	Minor Savings

First Colorado National Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.05% → $1k - $25k \| 0.15% → $25k - $100k

First Colorado National Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	-	$25k	Kasasa Cash
OTHER TIERS: 0.80% → $25k+
0.10%^*	$10k^*	-	Gold Reserve Account
OTHER TIERS: 0.05% → $2,500 - $10k
0.05%	$500	-	NOW Account

First Colorado National Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$500	-	60 Month CD
0.80%	$500	-	48 Month CD
0.70%	$500	-	36 Month CD
0.50%	$500	-	24 Month CD
0.40%	$500	-	18 Month CD
0.35%	$500	-	12 Month CD
0.20%	$500	-	6 Month CD
0.20%	$500	-	9 Month CD
0.10%	$500	-	3 Month CD

First Colorado National Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$500	-	60 Month IRA
0.80%	$500	-	48 Month IRA
0.70%	$500	-	36 Month IRA
0.50%	$500	-	24 Month IRA
0.40%	$500	-	18 Month IRA
0.35%	$500	-	12 Month IRA
0.20%	$500	-	6 Month IRA
0.20%	$500	-	9 Month IRA
0.10%	$500	-	3 Month IRA

Locations

First Colorado National Bank Locations
First Colorado National Bank	133 Grand Avenue	Paonia, CO 81428
First National Bank, Delta - Paonia	150 Gunnison River Drive	Delta, CO 81416