SUNRISE BANK OF ALBUQUERQUE

SUNRISE BANK OF ALBUQUERQUE is headquartered in Albuquerque and is the 46^th largest bank in the state of New Mexico. It is also the 6,143^rd largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 13 employees at 1 location. SUNRISE BANK OF ALBUQUERQUE has a 1-star health rating.

Data for Q1 2012

Institution Statistics SUNRISE BANK OF ALBUQUERQUE FDIC Certificate # 35428 BankRate Report View Year Established 2000 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $57.33 million Loans $42.41 million Deposits $50.85 million Equity Capital $1.26 million Loan Loss Allowance $2.16 million Unbacked Noncurrent Loans $5.13 million Real Estate Owned $3.05 million Historic Data - March 2011 Assets $64.82 million Equity Capital $1.88 million Loan Loss Allowance $2.69 million Unbacked Noncurrent Loans $3.99 million Real Estate Owned $4.60 million Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets -1.96% Return on Equity -83.72% Interest Income $641,000

Institution Health Overall Score: 1 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 SUNRISE BANK OF ALBUQUERQUE had $8.18 million in non-current loans and owned real-estate with $3.42 million in equity and loan loss allowances on hand to cover it. This gives SUNRISE BANK OF ALBUQUERQUE a Texas Ratio of 239.24% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for SUNRISE BANK OF ALBUQUERQUE increased slightly from 187.82% as of March 31, 2011 to 239.24% as of March 31, 2012, resulting in a negative change of 27.38%. This indicates that the balance sheet and financial strength for SUNRISE BANK OF ALBUQUERQUE has declined slightly in recent periods. Deposit Growth In the past year, SUNRISE BANK OF ALBUQUERQUE has decreased its total deposits by -$4.79 million, resulting in -8.61% 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 SUNRISE BANK OF ALBUQUERQUE has shown is poor. 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. SUNRISE BANK OF ALBUQUERQUE has $57.33 million in assets with $3.42 million in equity, resulting in a capitalization level of 5.96%, which is below average.

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