Western Commerce Bank

Western Commerce Bank is headquartered in Carlsbad and is the 10^st largest bank in the state of New Mexico. It is also the 1,760^th largest bank in the nation. It was established in 1961 and as of March of 2012, it had grown to 100 employees at 12 locations. Western Commerce Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics Western Commerce Bank FDIC Certificate # 18389 BankRate Report View Year Established 1961 Employees 100 Primary Regulator FDIC Assets and Liabilities Assets $377.70 million Loans $162.73 million Deposits $340.77 million Equity Capital $30.40 million Loan Loss Allowance $1.70 million Real Estate Owned $6.09 million Historic Data - March 2011 Assets $343.79 million Equity Capital $29.40 million Loan Loss Allowance $2.03 million Unbacked Noncurrent Loans $1.44 million Real Estate Owned $2.03 million Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 1.79% Return on Equity 20.88% Interest Income $3.83 million

Institution Health Overall Score: 3 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 Western Commerce Bank had $6.09 million in non-current loans and owned real-estate with $32.1 million in equity and loan loss allowances on hand to cover it. This gives Western Commerce Bank a Texas Ratio of 18.98% 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 Western Commerce Bank increased slightly from 10.58% as of March 31, 2011 to 18.98% as of March 31, 2012, resulting in a negative change of 79.46%. This indicates that the balance sheet and financial strength for Western Commerce Bank has declined slightly in recent periods. Deposit Growth In the past year, Western Commerce Bank has increased its total deposits by $34.61 million, resulting in 11.3% 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 Western Commerce Bank 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. Western Commerce Bank has $377.7 million in assets with $32.1 million in equity, resulting in a capitalization level of 8.50%, which is average.

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