Farmers & Stockmens Bank

Farmers & Stockmens Bank is headquartered in Clayton and is the 36^th largest bank in the state of New Mexico. It is also the 4,698^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 47 employees at 3 locations. Farmers & Stockmens Bank has a 4-star health rating.

Farmers & Stockmens Bank Routing Number: 102201710

Data for Q1 2012

Institution Statistics Farmers & Stockmens Bank FDIC Certificate # 13625 BankRate Report View Year Established 1920 Employees 47 Primary Regulator FDIC Assets and Liabilities Assets $111.01 million Loans $65.82 million Deposits $99.12 million Equity Capital $11.53 million Loan Loss Allowance $1.11 million Unbacked Noncurrent Loans $1.54 million Real Estate Owned $450,000 Historic Data - March 2011 Assets $78.98 million Equity Capital $8.01 million Loan Loss Allowance $522,000 Unbacked Noncurrent Loans $276,000 Real Estate Owned $1.39 million Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 0.66% Return on Equity 6.76% Interest Income $1.26 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 March 31, 2012 Farmers & Stockmens Bank had $1.99 million in non-current loans and owned real-estate with $12.64 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Stockmens Bank a Texas Ratio of 15.75% 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 Farmers & Stockmens Bank decreased slightly from 19.52% as of March 31, 2011 to 15.75% as of March 31, 2012, resulting in a positive change of 19.34%.This indicates that the balance sheet and financial strength for Farmers & Stockmens Bank has improved slightly in recent periods. Deposit Growth In the past year, Farmers & Stockmens Bank has increased its total deposits by $28.34 million, resulting in 40.04% 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 Farmers & Stockmens Bank has shown is excellent. 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. Farmers & Stockmens Bank has $111.01 million in assets with $12.64 million in equity, resulting in a capitalization level of 11.39%, which is above average.

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