Vectra Bank Colorado, National Association

Vectra Bank Colorado, National Association is headquartered in Farmington and is the largest bank in the state of New Mexico. It is also the 292^nd largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 532 employees at 39 locations. Vectra Bank Colorado, National Association has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Vectra Bank Colorado, National Association FDIC Certificate # 2993 BankRate Report View Year Established 1905 Employees 532 Primary Regulator OCC Assets and Liabilities Assets $2.41 billion Loans $1.94 billion Deposits $2.07 billion Equity Capital $275.18 million Loan Loss Allowance $50.50 million Unbacked Noncurrent Loans $44.34 million Real Estate Owned $17.52 million Historic Data - March 2011 Assets $2.24 billion Equity Capital $271.26 million Loan Loss Allowance $67.37 million Unbacked Noncurrent Loans $69.59 million Real Estate Owned $16.60 million Profit Margin - Quarterly Net Interest Margin 4.66% Return on Assets 0.61% Return on Equity 5.3% Interest Income $26.95 million

Institution Health Overall Score: 4 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 Vectra Bank Colorado, National Association had $61.85 million in non-current loans and owned real-estate with $325.68 million in equity and loan loss allowances on hand to cover it. This gives Vectra Bank Colorado, National Association a Texas Ratio of 18.99% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Vectra Bank Colorado, National Association decreased slightly from 26.29% as of March 31, 2011 to 18.99% as of March 31, 2012, resulting in a positive change of 27.76%.This indicates that the balance sheet and financial strength for Vectra Bank Colorado, National Association has improved slightly in recent periods. Deposit Growth In the past year, Vectra Bank Colorado, National Association has increased its total deposits by $192.21 million, resulting in 10.26% 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 Vectra Bank Colorado, National Association 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. Vectra Bank Colorado, National Association has $2.41 billion in assets with $325.68 million in equity, resulting in a capitalization level of 13.49%, which is excellent.

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