Los Alamos National Bank

Los Alamos National Bank is headquartered in Los Alamos and is the 2^nd largest bank in the state of New Mexico. It is also the 438^th largest bank in the nation. It was established in 1963 and as of December of 2012, it had grown to 347 employees at 7 locations. Los Alamos National Bank has a 3-star health rating.

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Data for Q4 2012

Institution Statistics Los Alamos National Bank FDIC Certificate # 18799 BankRate Report View Year Established 1963 Employees 347 Primary Regulator OCC Assets and Liabilities Assets $1.57 billion Loans $1.19 billion Deposits $1.40 billion Equity Capital $147.36 million Loan Loss Allowance $37.17 million Unbacked Noncurrent Loans $60.28 million Real Estate Owned $15.33 million Historic Data - December 2011 Assets $1.50 billion Equity Capital $143.13 million Loan Loss Allowance $35.98 million Unbacked Noncurrent Loans $69.62 million Real Estate Owned $13.55 million Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets 0.38% Return on Equity 4% Interest Income $66.28 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 December 31, 2012 Los Alamos National Bank had $75.61 million in non-current loans and owned real-estate with $184.53 million in equity and loan loss allowances on hand to cover it. This gives Los Alamos National Bank a Texas Ratio of 40.97% 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 Los Alamos National Bank held steady from 46.44% as of December 31, 2011 to 40.97% as of December 31, 2012, resulting in a positive change of 11.76%.This indicates that the balance sheet and financial strength for Los Alamos National Bank has held steady in recent periods. Deposit Growth In the past year, Los Alamos National Bank has increased its total deposits by $63.96 million, resulting in 4.8% 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 Los Alamos National 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. Los Alamos National Bank has $1.57 billion in assets with $184.53 million in equity, resulting in a capitalization level of 11.75%, which is above average.

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