The Bank of Clovis

The Bank of Clovis is headquartered in Clovis and is the 25^th largest bank in the state of New Mexico. It is also the 3,464^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 28 employees at 2 locations. The Bank of Clovis has a 5-star health rating.

The Bank of Clovis Routing Number: 112206776

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Data for Q1 2012

Institution Statistics The Bank of Clovis FDIC Certificate # 57022 BankRate Report View Year Established 2000 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $174.85 million Loans $70.52 million Deposits $151.35 million Equity Capital $19.89 million Loan Loss Allowance $1.44 million Unbacked Noncurrent Loans $1.05 million Real Estate Owned $125,000 Historic Data - March 2011 Assets $150.69 million Equity Capital $12.44 million Loan Loss Allowance $1.48 million Unbacked Noncurrent Loans $82,000 Real Estate Owned $90,000 Profit Margin - Quarterly Net Interest Margin 3.12% Return on Assets 0.82% Return on Equity 6.96% Interest Income $1.65 million

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 The Bank of Clovis had $1.18 million in non-current loans and owned real-estate with $21.33 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Clovis a Texas Ratio of 5.51% 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 The Bank of Clovis held steady from 1.24% as of March 31, 2011 to 5.51% as of March 31, 2012, resulting in a negative change of 345.82%. This indicates that the balance sheet and financial strength for The Bank of Clovis has held steady in recent periods. Deposit Growth In the past year, The Bank of Clovis has increased its total deposits by $18.49 million, resulting in 13.91% 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 The Bank of Clovis has shown is excellent. 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. The Bank of Clovis has $174.85 million in assets with $21.33 million in equity, resulting in a capitalization level of 12.20%, which is excellent.

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