American Heritage Bank (NM)

American Heritage Bank (NM) is headquartered in Clovis and is the 44^th largest bank in the state of New Mexico. It is also the 5,729^th largest bank in the nation. It was established in 2000 and as of December of 2011, it had grown to 19 employees at 2 locations. American Heritage Bank (NM) has a 4-star health rating.

Data for Q4 2011

Institution Statistics American Heritage Bank FDIC Certificate # 57025 BankRate Report View Year Established 2000 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $71.60 million Loans $41.88 million Deposits $61.05 million Equity Capital $8.06 million Loan Loss Allowance $657,000 Unbacked Noncurrent Loans $1.64 million Real Estate Owned $7,000 Historic Data - December 2010 Assets $70.43 million Equity Capital $7.35 million Loan Loss Allowance $592,000 Unbacked Noncurrent Loans $1.09 million Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 0.82% Return on Equity 7.44% Interest Income $3.09 million

Institution Health Overall Score: 4 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 December 31, 2011 American Heritage Bank (NM) had $1.65 million in non-current loans and owned real-estate with $8.72 million in equity and loan loss allowances on hand to cover it. This gives American Heritage Bank (NM) a Texas Ratio of 18.91% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Heritage Bank (NM) increased slightly from 13.75% as of December 31, 2010 to 18.91% as of December 31, 2011, resulting in a negative change of 37.53%. This indicates that the balance sheet and financial strength for American Heritage Bank (NM) has declined slightly in recent periods. Deposit Growth In the past year, American Heritage Bank (NM) has increased its total deposits by $1.25 million, resulting in 2.09% 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 American Heritage Bank (NM) has shown is above 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. American Heritage Bank (NM) has $71.6 million in assets with $8.72 million in equity, resulting in a capitalization level of 12.18%, which is excellent.

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