First National Bank in Alamogordo

First National Bank in Alamogordo is headquartered in Alamogordo and is the 12^st largest bank in the state of New Mexico. It is also the 2,112^st largest bank in the nation. It was established in 1956 and as of March of 2012, it had grown to 112 employees at 8 locations. First National Bank in Alamogordo has a 5-star health rating.

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Data for Q1 2012

Institution Statistics First National Bank FDIC Certificate # 17643 BankRate Report View Year Established 1956 Employees 112 Primary Regulator OCC Assets and Liabilities Assets $308.96 million Loans $103.53 million Deposits $270.59 million Equity Capital $37.59 million Loan Loss Allowance $1.86 million Unbacked Noncurrent Loans $1.04 million Real Estate Owned $156,000 Historic Data - March 2011 Assets $246.18 million Equity Capital $27.26 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $742,000 Real Estate Owned $239,000 Profit Margin - Quarterly Net Interest Margin 3.78% Return on Assets 1.69% Return on Equity 13.86% Interest Income $2.94 million

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 First National Bank in Alamogordo had $1.2 million in non-current loans and owned real-estate with $39.45 million in equity and loan loss allowances on hand to cover it. This gives First National Bank in Alamogordo a Texas Ratio of 3.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First National Bank in Alamogordo held steady from 3.45% as of March 31, 2011 to 3.04% as of March 31, 2012, resulting in a positive change of 12.00%.This indicates that the balance sheet and financial strength for First National Bank in Alamogordo has held steady in recent periods. Deposit Growth In the past year, First National Bank in Alamogordo has increased its total deposits by $52.98 million, resulting in 24.35% 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 First National Bank in Alamogordo 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. First National Bank in Alamogordo has $308.96 million in assets with $39.45 million in equity, resulting in a capitalization level of 12.77%, which is excellent.

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