BANK'34

BANK'34 is headquartered in Alamogordo and is the 22^nd largest bank in the state of New Mexico. It is also the 3,369^th largest bank in the nation. It was established in 1934 and as of December of 2011, it had grown to 57 employees at 2 locations. BANK'34 has a 3-star health rating.

BANK'34 Routing Number: 312270324

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Data for Q4 2011

Institution Statistics BANK'34 OTS # 02889 FDIC Certificate # 29087 BankRate Report View Year Established 1934 Employees 57 Primary Regulator OCC Assets and Liabilities Assets $180.22 million Loans $121.26 million Deposits $137.98 million Equity Capital $25.91 million Loan Loss Allowance $3.00 million Unbacked Noncurrent Loans $4.17 million Real Estate Owned $4.51 million Historic Data - December 2010 Assets $184.29 million Equity Capital $27.79 million Loan Loss Allowance $520,000 Unbacked Noncurrent Loans $6.81 million Real Estate Owned $2.48 million Profit Margin - Quarterly Net Interest Margin 4% Return on Assets -1.09% Return on Equity -7.34% Interest Income $8.83 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 December 31, 2011 BANK'34 had $8.68 million in non-current loans and owned real-estate with $28.91 million in equity and loan loss allowances on hand to cover it. This gives BANK'34 a Texas Ratio of 30.01% 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 BANK'34 held steady from 32.84% as of December 31, 2010 to 30.01% as of December 31, 2011, resulting in a positive change of 8.60%.This indicates that the balance sheet and financial strength for BANK'34 has held steady in recent periods. Deposit Growth In the past year, BANK'34 has decreased its total deposits by -$1.34 million, resulting in -0.96% 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 BANK'34 has shown is 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. BANK'34 has $180.22 million in assets with $28.91 million in equity, resulting in a capitalization level of 16.04%, which is excellent.

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