Main Bank

Main Bank is headquartered in Albuquerque and is the 41^st largest bank in the state of New Mexico. It is also the 5,646^th largest bank in the nation. It was established in 1975 and as of March of 2012, it had grown to 24 employees at 1 location. Main Bank's savings rates are 48% higher than the national average, and it boasts a 5-star health rating.

Main Bank Routing Number: 107002723

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Data for Q1 2012

Institution Statistics Main Bank FDIC Certificate # 22086 BankRate Report View Year Established 1975 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $74.67 million Loans $51.44 million Deposits $66.02 million Equity Capital $8.49 million Loan Loss Allowance $540,000 Real Estate Owned $95,000 Historic Data - March 2011 Assets $75.37 million Equity Capital $7.41 million Loan Loss Allowance $576,000 Real Estate Owned $1.83 million Profit Margin - Quarterly Net Interest Margin 4.81% Return on Assets 2.02% Return on Equity 17.75% Interest Income $976,000

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 Main Bank had $95,000 in non-current loans and owned real-estate with $9.03 million in equity and loan loss allowances on hand to cover it. This gives Main Bank a Texas Ratio of 1.05% 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 Main Bank decreased significantly from 22.93% as of March 31, 2011 to 1.05% as of March 31, 2012, resulting in a positive change of 95.41%.This indicates that the balance sheet and financial strength for Main Bank has improved significantly in recent periods. Deposit Growth In the past year, Main Bank has decreased its total deposits by -$1.18 million, resulting in -1.75% 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 Main 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. Main Bank has $74.67 million in assets with $9.03 million in equity, resulting in a capitalization level of 12.10%, which is excellent.

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