Valley Bank of Commerce

Valley Bank of Commerce is headquartered in Roswell and is the 31^st largest bank in the state of New Mexico. It is also the 4,146^th largest bank in the nation. It was established in 1978 and as of March of 2012, it had grown to 19 employees at 3 locations. Valley Bank of Commerce has a 5-star health rating.

Valley Bank of Commerce Routing Number: 112203122

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Data for Q1 2012

Institution Statistics Valley Bank of Commerce FDIC Certificate # 22600 BankRate Report View Year Established 1978 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $134.69 million Loans $56.73 million Deposits $121.72 million Equity Capital $9.65 million Loan Loss Allowance $586,000 Real Estate Owned $217,000 Historic Data - March 2011 Assets $122.63 million Equity Capital $9.02 million Loan Loss Allowance $608,000 Real Estate Owned $322,000 Profit Margin - Quarterly Net Interest Margin 2.94% Return on Assets 1.56% Return on Equity 21.16% Interest Income $1.01 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 Valley Bank of Commerce had $217,000 in non-current loans and owned real-estate with $10.23 million in equity and loan loss allowances on hand to cover it. This gives Valley Bank of Commerce a Texas Ratio of 2.12% 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 Valley Bank of Commerce decreased slightly from 3.34% as of March 31, 2011 to 2.12% as of March 31, 2012, resulting in a positive change of 36.59%.This indicates that the balance sheet and financial strength for Valley Bank of Commerce has improved slightly in recent periods. Deposit Growth In the past year, Valley Bank of Commerce has increased its total deposits by $16.02 million, resulting in 15.16% 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 Valley Bank of Commerce 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. Valley Bank of Commerce has $134.69 million in assets with $10.23 million in equity, resulting in a capitalization level of 7.60%, which is below average.

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