City Bank New Mexico

City Bank New Mexico is headquartered in Ruidoso and is the 36^th largest bank in the state of New Mexico. It is also the 4,633^rd largest bank in the nation. It was established in 2001 and as of September of 2011, it had grown to 34 employees at 4 locations. City Bank New Mexico has a 3-star health rating.

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Data for Q3 2011

Institution Statistics City Bank New Mexico FDIC Certificate # 57302 BankRate Report View Year Established 2001 Employees 34 Primary Regulator FDIC Assets and Liabilities Assets $112.70 million Loans $63.93 million Deposits $101.18 million Equity Capital $11.12 million Loan Loss Allowance $1.62 million Unbacked Noncurrent Loans $1.81 million Real Estate Owned $3.16 million Historic Data - September 2010 Assets $114.60 million Equity Capital $10.23 million Loan Loss Allowance $1.54 million Unbacked Noncurrent Loans $2.57 million Real Estate Owned $1.97 million Profit Margin - Quarterly Net Interest Margin 4.32% Return on Assets 0.47% Return on Equity 4.92% Interest Income $3.64 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 September 30, 2011 City Bank New Mexico had $4.96 million in non-current loans and owned real-estate with $12.74 million in equity and loan loss allowances on hand to cover it. This gives City Bank New Mexico a Texas Ratio of 38.96% 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 City Bank New Mexico held steady from 38.49% as of September 30, 2010 to 38.96% as of September 30, 2011, resulting in a negative change of 1.22%. This indicates that the balance sheet and financial strength for City Bank New Mexico has held steady in recent periods. Deposit Growth In the past year, City Bank New Mexico has decreased its total deposits by -$2.71 million, resulting in -2.61% 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 City Bank New Mexico 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. City Bank New Mexico has $112.7 million in assets with $12.74 million in equity, resulting in a capitalization level of 11.30%, which is above average.

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