DSRM National Bank

DSRM National Bank is headquartered in Albuquerque and is the 49^th largest bank in the state of New Mexico. It is also the 7,305^th largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 3 employees at 1 location. DSRM National Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics DSRM National Bank FDIC Certificate # 34331 BankRate Report View Year Established 1996 Employees 3 Primary Regulator OCC Assets and Liabilities Assets $3.51 million Deposits $500,000 Equity Capital $2.96 million Historic Data - March 2011 Assets $3.47 million Equity Capital $2.91 million Profit Margin - Quarterly Net Interest Margin 1.24% Return on Assets 1.03% Return on Equity 1.22% Interest Income $12,000

Institution Health Overall Score: 5 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 March 31, 2012 DSRM National Bank had $0 in non-current loans and owned real-estate with $2.96 million in equity and loan loss allowances on hand to cover it. This gives DSRM National Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, DSRM National Bank has increased its total deposits by $0, resulting in 0% 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 DSRM National Bank 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. DSRM National Bank has $3.5 million in assets with $2.96 million in equity, resulting in a capitalization level of 84.51%, which is excellent.

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