Four Corners Community Bank

Four Corners Community Bank is headquartered in Farmington and is the 17^st largest bank in the state of New Mexico. It is also the 2,932^nd largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 49 employees at 5 locations. Four Corners Community Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Four Corners Community Bank FDIC Certificate # 35441 BankRate Report View Year Established 2000 Employees 49 Primary Regulator FDIC Assets and Liabilities Assets $217.00 million Loans $116.66 million Deposits $165.97 million Equity Capital $21.57 million Loan Loss Allowance $2.38 million Unbacked Noncurrent Loans $1.32 million Real Estate Owned $1.05 million Historic Data - March 2011 Assets $208.69 million Equity Capital $18.75 million Loan Loss Allowance $2.36 million Unbacked Noncurrent Loans $2.26 million Real Estate Owned $2.86 million Profit Margin - Quarterly Net Interest Margin 4.15% Return on Assets 1.64% Return on Equity 16.17% Interest Income $2.43 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 Four Corners Community Bank had $2.37 million in non-current loans and owned real-estate with $23.94 million in equity and loan loss allowances on hand to cover it. This gives Four Corners Community Bank a Texas Ratio of 9.90% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Four Corners Community Bank decreased significantly from 24.25% as of March 31, 2011 to 9.90% as of March 31, 2012, resulting in a positive change of 59.19%.This indicates that the balance sheet and financial strength for Four Corners Community Bank has improved significantly in recent periods. Deposit Growth In the past year, Four Corners Community Bank has increased its total deposits by $1.73 million, resulting in 1.06% 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 Four Corners Community Bank has shown is above 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. Four Corners Community Bank has $217 million in assets with $23.94 million in equity, resulting in a capitalization level of 11.03%, which is above average.

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