Bank of the Rio Grande, National Association in city_name, state_name

Bank of the Rio Grande, National Association in Las Cruces, New Mexico (NM)
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Bank of the Rio Grande, National Association routing number info

Bank of the Rio Grande, National Association - Overview

General
FDIC Certificate #: 26210
Status: Active
Federal Reserve ID: 648952
Bank Holding Company (Regulatory Top Holder): Las Cruces B.R.g., Inc. (RSSDID: 1840230, Location: Las Cruces, NM)
Date Established: April 12, 1985
WWW: http://www.bank-riogrande.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 12350
FDIC's unique #: 32540
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: April 12, 1985
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 421 North Water, Las Cruces, NM 88001
County: Dona Ana
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Albuquerque
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Las Cruces, NM (#4100)
Core Based Statistical Area (CBSA): Las Cruces, NM (#29740)
CBSA Metro Statistical Area: Las Cruces, NM (#29740)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $101.7 mil
Equity capital: $13.2 mil
Deposits held in domestic offices: $86.5 mil
Return on assets (ROA): 0.68% ($0.7 mil)
Quarterly return on assets: -1.51% (-$1.5 mil)
Return on Equity (ROE): 5.41% ($0.7 mil)
Quarterly return on equity: -11.77% (-$1.5 mil)
Net income: $0.7 mil
Quarterly Net income: -$0.4 mil
Pretax return on assets: 0.17% ($172.8 mil)
Quarterly Pretax return on assets: -1.81% (-$1,839.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
36Total employees (full-time equivalent)
$101,651Total assets
$4,417Cash and due from depository institutions
$1,250Interest-bearing balances
$12,260Securities
$23,838Federal funds sold & reverse repurchase agreements
$50,951Net loans & leases
$1,228Loan loss allowance
$0Trading account assets
$6,528Bank premises and fixed assets
$64Other real estate owned
$221Goodwill and other intangibles
$101,651Life insurance assets
$3,372All other assets
$88,471Total liabilities and capital
$86,485Total liabilities
$33,448Total deposits
$86,485Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,455Trading liabilities
$0Other borrowed funds
$531Subordinated debt
$13,180All other liabilities
$13,180Total equity capital
$13,180Total bank equity capital
$750Perpetual preferred stock
$2,400Common stock
$0Surplus
$10,030Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,806Income earned, not collected on loans
$0Earning assets
$293Long-term assets (5+ years)
$88,299Average Assets, year-to-date
$5,096Average Assets, quarterly
$105,094Volatile liabilities
$104,383Insider loans
$66,113FHLB advances
$104,796Loans and leases held for sale
$1,855Unused loan commitments
$1,855Tier 1 (core) risk-based capital
$12,935Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,260Restructured Loans and leases
$841Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,937Total interest income
$252Total interest expense
$4,685Net interest income
$128Provision for loan and lease losses
$843Total noninterest income
$0Fiduciary activities
$318Service charges on deposit accounts
$0Trading account gains & fees
$525Additional noninterest income
$5,224Total noninterest expense
$2,926Salaries and employee benefits
$698Premises and equipment expense
$1,600Additional noninterest expense
$176Pre-tax net operating income
$0Securities gains (losses)
-$541Applicable income taxes
$717Income before extraordinary items
$0Extraordinary gains - net
$717Net income attributable to bank
$0Net charge-offs
$717Cash dividends
$312Sale, conversion, retirement of capital stock, net
$243Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.46%Yield on earning assets
0.28%Cost of funding earning assets
5.18%Net interest margin
0.93%Noninterest income to earning assets
5.78%Noninterest expense to earning assets
0.68%Net operating income to assets
0.68%Return on assets (ROA)
0.17%Pretax return on assets
5.41%Return on equity (ROE)
3.58%Retained earnings to average equity (YTD only)
0.53%Net charge-offs to loans
41.03%Credit loss provision to net charge-offs
0.97%Efficiency ratio
94,501Assets per employee
2.82%Cash dividends to net income (YTD only)
Condition Ratios (%)
33.89%Loss allowance to loans
2.35%Loss allowance to noncurrent loans
68.00%Noncurrent assets plus other real estate owned to assets
1.84%Noncurrent loans to loans
3.46%Net loans and leases to deposits
58.91%Net loans and leases to core deposits
59.52%Equity capital to assets
12.97%Core capital (leverage) ratio
12.34%Tier 1 risk-based capital ratio
19.56%Total risk-based capital ratio
Memoranda
$21Average assets
$105,094Average earning assets
$13,258Average equity
$90,398Average loans

List of branches

3 New Mexico Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	32540	Bank Of The Rio Grande, National Association	421 North Water, Las Cruces, NM 88001	April 12, 1985	Full Service Brick and Mortar
2	258524	Telshor Branch	2535 S Telshor, Las Cruces, NM 88011	July 20, 1990	Full Service Brick and Mortar
3	478571	Northrise Branch	3500 Northrise Dr, Las Cruces, NM 88001	June 30, 2008	Full Service Brick and Mortar

Bank of the Rio Grande, National Association in Las Cruces, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of the Rio Grande, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of the Rio Grande, National Association in Las Cruces, New Mexico (NM)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of the Rio Grande, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of the Rio Grande, National Association in Las Cruces, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches