Citizens Bank of Las Cruces in Las Cruces, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches


Citizens Bank of Las Cruces - Overview

  • General
  • FDIC Certificate #: 20161
    Status: Active
    Federal Reserve ID: 1016857
    Bank Holding Company (Regulatory Top Holder): Amador Bancshares, Inc. (RSSDID: 1105078, Location: Las Cruces, NM)
    Date Established: April 06, 1970
    WWW: http://www.citizenslc.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 10629
    FDIC's unique #: 13854
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 06, 1970
    Last Structure Change Effective Date: July 31, 2007
    Last Structure Change Process Date: July 31, 2007
    Last Data Update: July 31, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 505 S. Main Street, 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
  • Corrections
    Change in Location
  • Financial Summary
  • Total assets: $393.7 mil
    Equity capital: $41.2 mil
    Deposits held in domestic offices: $342.7 mil
    Return on assets (ROA): 2.08% ($8.2 mil)
    Quarterly return on assets: 2.27% ($8.9 mil)
    Return on Equity (ROE): 20.51% ($8.4 mil)
    Quarterly return on equity: 21.57% ($8.8 mil)
    Net income: $8.0 mil
    Quarterly Net income: $2.2 mil
    Pretax return on assets: 2.08% ($8,189.1 mil)
    Quarterly Pretax return on assets: 2.27% ($8,937.2 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
  • 94Total employees (full-time equivalent)
  • $393,709Total assets
  • $20,209Cash and due from depository institutions
  • $14,026Interest-bearing balances
  • $140,775Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $201,124Net loans & leases
  • $4,074Loan loss allowance
  • $0Trading account assets
  • $15,134Bank premises and fixed assets
  • $2,939Other real estate owned
  • $0Goodwill and other intangibles
  • $393,709Life insurance assets
  • $13,528All other assets
  • $352,513Total liabilities and capital
  • $342,713Total liabilities
  • $278,465Total deposits
  • $342,713Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,026Trading liabilities
  • $0Other borrowed funds
  • $4,774Subordinated debt
  • $41,196All other liabilities
  • $41,196Total equity capital
  • $41,196Total bank equity capital
  • $0Perpetual preferred stock
  • $1,111Common stock
  • $6,900Surplus
  • $33,185Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,842Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,026Income earned, not collected on loans
  • $490Earning assets
  • $2,016Long-term assets (5+ years)
  • $355,925Average Assets, year-to-date
  • $66,775Average Assets, quarterly
  • $384,465Volatile liabilities
  • $390,146Insider loans
  • $242,134FHLB advances
  • $388,976Loans and leases held for sale
  • $7,783Unused loan commitments
  • $7,783Tier 1 (core) risk-based capital
  • $36,291Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $35,054Restructured Loans and leases
  • $20,580Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,416Total interest income
  • $1,545Total interest expense
  • $15,871Net interest income
  • $1,918Provision for loan and lease losses
  • $6,261Total noninterest income
  • $0Fiduciary activities
  • $1,444Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,817Additional noninterest income
  • $12,307Total noninterest expense
  • $6,959Salaries and employee benefits
  • $1,549Premises and equipment expense
  • $3,799Additional noninterest expense
  • $7,907Pre-tax net operating income
  • $96Securities gains (losses)
  • $0Applicable income taxes
  • $8,003Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,003Net income attributable to bank
  • $0Net charge-offs
  • $8,003Cash dividends
  • $1,393Sale, conversion, retirement of capital stock, net
  • $5,557Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 0.44%Cost of funding earning assets
  • 4.56%Net interest margin
  • 1.80%Noninterest income to earning assets
  • 3.54%Noninterest expense to earning assets
  • 2.06%Net operating income to assets
  • 2.08%Return on assets (ROA)
  • 2.08%Pretax return on assets
  • 20.51%Return on equity (ROE)
  • 6.27%Retained earnings to average equity (YTD only)
  • 0.68%Net charge-offs to loans
  • 137.69%Credit loss provision to net charge-offs
  • 7.05%Efficiency ratio
  • 55,607Assets per employee
  • 4.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.44%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 397.08%Noncurrent assets plus other real estate owned to assets
  • 1.01%Noncurrent loans to loans
  • 0.50%Net loans and leases to deposits
  • 58.69%Net loans and leases to core deposits
  • 59.87%Equity capital to assets
  • 10.46%Core capital (leverage) ratio
  • 9.33%Tier 1 risk-based capital ratio
  • 14.99%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $384,465Average earning assets
  • $39,018Average equity
  • $347,945Average loans

List of branches

  • 6 New Mexico Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013854Citizens Bank Of Las Cruces505 S. Main Street, Las Cruces, NM 88001April 06, 1970Full Service Brick and Mortar
    1250399University Telshor Branch3065 East University Avenue, Las Cruces, NM 88011August 03, 1976Full Service Brick and Mortar
    6250404Country Club Branch2841 N Main St, Las Cruces, NM 88001November 28, 1983Full Service Brick and Mortar
    9365123Roadrunner Branch3991 East Lohman Ave, Las Cruces, NM 88011December 28, 2001Full Service Brick and Mortar
    10478310Picacho Branch3030 W Picacho Ave, Las Cruces, NM 88007June 02, 2008Full Service Brick and Mortar
    12492501Truth Or Consequences Branch1920 N. Date Street, Truth Or Consequences, NM 87901November 01, 2008Full Service Brick and Mortar

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