City Bank New Mexico in Ruidoso, New Mexico (NM)

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City Bank New Mexico
GeneralFDIC Certificate #: 57302
Status: Active
Federal Reserve ID: 3058619
Bank Holding Company (Regulatory Top Holder): South Plains Financial, Inc. Employee Stock Ownership Plan (RSSDID: 3382332, Location: Lubbock, TX)
Date Established: November 27, 2001
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 360836
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: November 27, 2001
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
LocationAddress: 1096 Mechem Drive, Ruidoso, NM 88345
County: Lincoln
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
Core Based Statistical Area (CBSA): Ruidoso, NM (#40760)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $108.8 mil
Equity capital: $11.1 mil
Deposits held in domestic offices: $97.3 mil
Return on assets (ROA): 0.37% ($0.4 mil)
Quarterly return on assets: 0.04% ($0.0 mil)
Return on Equity (ROE): 3.75% ($0.4 mil)
Quarterly return on equity: 0.40% ($0.0 mil)
Net income: $0.4 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.37% ($402.5 mil)
Quarterly Pretax return on assets: 0.04% ($43.5 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)
Total employees (full-time equivalent)33
Total assets$108,787
Cash and due from depository institutions$19,261
Interest-bearing balances$16,834
Federal funds sold & reverse repurchase agreements$750
Net loans & leases$60,313
Loan loss allowance $1,644
Trading account assets$0
Bank premises and fixed assets$5,663
Other real estate owned$3,203
Goodwill and other intangibles$0
All other assets$2,890
Life insurance assets$108,787
Total liabilities and capital$97,658
Total liabilities$97,317
Total deposits$80,078
Interest-bearing deposits$97,317
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $341
All other liabilities $11,129
Total equity capital$11,129
Total bank equity capital$11,129
Perpetual preferred stock$0
Common stock$1,500
Undivided profits $6,329
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,334
Earning assets $0
Long-term assets (5+ years) $474
Average Assets, year-to-date $94,604
Average Assets, quarterly $19,137
Volatile liabilities $109,554
Insider loans $110,745
FHLB advances $69,690
Loans and leases held for sale $110,139
Unused loan commitments $1,958
Tier 1 (core) risk-based capital $1,958
Tier 2 risk-based capital $11,124
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,506
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,779
Total interest expense $677
Net interest income $4,102
Provision for loan and lease losses $556
Total noninterest income $1,157
Fiduciary activities $0
Service charges on deposit accounts $489
Trading account gains & fees $0
Additional noninterest income $668
Total noninterest expense $4,302
Salaries and employee benefits $2,006
Premises and equipment expense $602
Additional noninterest expense $1,694
Pre-tax net operating income $401
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $401
Extraordinary gains - net $0
Net income attributable to bank $401
Net charge-offs $0
Cash dividends $401
Sale, conversion, retirement of capital stock, net $371
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.00%
Cost of funding earning assets 0.71%
Net interest margin 4.30%
Noninterest income to earning assets 1.21%
Noninterest expense to earning assets 4.51%
Net operating income to assets 0.37%
Return on assets (ROA) 0.37%
Pretax return on assets 0.37%
Return on equity (ROE) 3.75%
Retained earnings to average equity (YTD only) 3.75%
Net charge-offs to loans 0.54%
Credit loss provision to net charge-offs 149.87%
Efficiency ratio2.58%
Assets per employee$81,803
Cash dividends to net income (YTD only)3.30%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.65%
Noncurrent assets plus other real estate owned to assets 70.44%
Noncurrent loans to loans 5.09%
Net loans and leases to deposits3.77%
Net loans and leases to core deposits 61.98%
Equity capital to assets 66.86%
Core capital (leverage) ratio 10.23%
Tier 1 risk-based capital ratio 10.10%
Total risk-based capital ratio 15.96%
Average assets$17
Average earning assets$109,554
Average equity $10,688
Average loans $95,492
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4 New Mexico Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0360836City Bank New Mexico1096 Mechem Drive, Ruidoso, NM 88345November 27, 2001Full Service Brick and Mortar
2441805Carrizozo Branch1203 E. Avenue, Carrizozo, NM 88301June 20, 2005Full Service Brick and Mortar
3450620Midtown Branch1850 Sudderth Drive, Ruidoso, NM 88345March 27, 2006Full Service Brick and Mortar
4467622Gateway Branch143a El Paso Road, Ruidoso, NM 88345June 20, 2007Full Service Brick and Mortar
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