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 in Las Cruces, New Mexico (NM)
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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
  • NoIDNameAddressEstablishedService TypeMap
    032540Bank Of The Rio Grande, National Association421 North Water, Las Cruces, NM 88001April 12, 1985Full Service Brick and Mortar
    2258524Telshor Branch2535 S Telshor, Las Cruces, NM 88011July 20, 1990Full Service Brick and Mortar
    3478571Northrise Branch3500 Northrise Dr, Las Cruces, NM 88001June 30, 2008Full Service Brick and Mortar

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