Western Heritage Bank

Western Heritage Bank is headquartered in Las Cruces and is the 40^th largest bank in the state of New Mexico. It is also the 5,608^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 40 employees at 2 locations. Western Heritage Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Western Heritage Bank Routing Number: 112206763

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Data for Q1 2012

Institution Statistics Western Heritage Bank FDIC Certificate # 35492 BankRate Report View Year Established 2000 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $75.85 million Loans $60.85 million Deposits $69.33 million Equity Capital $5.77 million Loan Loss Allowance $1.29 million Historic Data - March 2011 Assets $51.91 million Equity Capital $5.73 million Loan Loss Allowance $620,000 Real Estate Owned $976,000 Profit Margin - Quarterly Net Interest Margin 4.76% Return on Assets 1.09% Return on Equity 14.33% 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 Western Heritage Bank had $0 in non-current loans and owned real-estate with $7.06 million in equity and loan loss allowances on hand to cover it. This gives Western Heritage Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Western Heritage Bank has increased its total deposits by $23.31 million, resulting in 50.66% 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 Heritage 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 Heritage Bank has $75.85 million in assets with $7.06 million in equity, resulting in a capitalization level of 9.30%, which is average.

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