International Bank

International Bank is headquartered in Raton and is the 11^st largest bank in the state of New Mexico. It is also the 2,105^th largest bank in the nation. It was established in 1918 and as of March of 2012, it had grown to 84 employees at 6 locations. International Bank has a 3-star health rating.

International Bank Routing Number: 102200245

Data for Q1 2012

Institution Statistics International Bank FDIC Certificate # 11492 BankRate Report View Year Established 1918 Employees 84 Primary Regulator FDIC Assets and Liabilities Assets $309.64 million Loans $193.84 million Deposits $259.02 million Equity Capital $34.97 million Loan Loss Allowance $3.47 million Unbacked Noncurrent Loans $10.86 million Real Estate Owned $10.72 million Historic Data - March 2011 Assets $323.37 million Equity Capital $32.98 million Loan Loss Allowance $4.44 million Unbacked Noncurrent Loans $10.01 million Real Estate Owned $8.81 million Profit Margin - Quarterly Net Interest Margin 4.88% Return on Assets 0.95% Return on Equity 8.46% Interest Income $3.89 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 March 31, 2012 International Bank had $21.57 million in non-current loans and owned real-estate with $38.44 million in equity and loan loss allowances on hand to cover it. This gives International Bank a Texas Ratio of 56.12% 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 International Bank held steady from 51.85% as of March 31, 2011 to 56.12% as of March 31, 2012, resulting in a negative change of 8.24%. This indicates that the balance sheet and financial strength for International Bank has held steady in recent periods. Deposit Growth In the past year, International Bank has decreased its total deposits by -$5.76 million, resulting in -2.17% 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 International Bank 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. International Bank has $309.64 million in assets with $38.44 million in equity, resulting in a capitalization level of 12.41%, which is excellent.

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