City Bank New Mexico in Ruidoso, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • City Bank New Mexico in Ruidoso, New Mexico (NM)
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City Bank New Mexico - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 33Total employees (full-time equivalent)
  • $108,787Total assets
  • $19,261Cash and due from depository institutions
  • $16,834Interest-bearing balances
  • $16,707Securities
  • $750Federal funds sold & reverse repurchase agreements
  • $60,313Net loans & leases
  • $1,644Loan loss allowance
  • $0Trading account assets
  • $5,663Bank premises and fixed assets
  • $3,203Other real estate owned
  • $0Goodwill and other intangibles
  • $108,787Life insurance assets
  • $2,890All other assets
  • $97,658Total liabilities and capital
  • $97,317Total liabilities
  • $80,078Total deposits
  • $97,317Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $341Subordinated debt
  • $11,129All other liabilities
  • $11,129Total equity capital
  • $11,129Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $3,300Surplus
  • $6,329Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,334Income earned, not collected on loans
  • $0Earning assets
  • $474Long-term assets (5+ years)
  • $94,604Average Assets, year-to-date
  • $19,137Average Assets, quarterly
  • $109,554Volatile liabilities
  • $110,745Insider loans
  • $69,690FHLB advances
  • $110,139Loans and leases held for sale
  • $1,958Unused loan commitments
  • $1,958Tier 1 (core) risk-based capital
  • $11,124Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,506Restructured Loans and leases
  • $293Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,779Total interest income
  • $677Total interest expense
  • $4,102Net interest income
  • $556Provision for loan and lease losses
  • $1,157Total noninterest income
  • $0Fiduciary activities
  • $489Service charges on deposit accounts
  • $0Trading account gains & fees
  • $668Additional noninterest income
  • $4,302Total noninterest expense
  • $2,006Salaries and employee benefits
  • $602Premises and equipment expense
  • $1,694Additional noninterest expense
  • $401Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $401Income before extraordinary items
  • $0Extraordinary gains - net
  • $401Net income attributable to bank
  • $0Net charge-offs
  • $401Cash dividends
  • $371Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.00%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 4.30%Net interest margin
  • 1.21%Noninterest income to earning assets
  • 4.51%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.37%Pretax return on assets
  • 3.75%Return on equity (ROE)
  • 3.75%Retained earnings to average equity (YTD only)
  • 0.54%Net charge-offs to loans
  • 149.87%Credit loss provision to net charge-offs
  • 2.58%Efficiency ratio
  • 81,803Assets per employee
  • 3.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.65%Loss allowance to noncurrent loans
  • 70.44%Noncurrent assets plus other real estate owned to assets
  • 5.09%Noncurrent loans to loans
  • 3.77%Net loans and leases to deposits
  • 61.98%Net loans and leases to core deposits
  • 66.86%Equity capital to assets
  • 10.23%Core capital (leverage) ratio
  • 10.10%Tier 1 risk-based capital ratio
  • 15.96%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $109,554Average earning assets
  • $10,688Average equity
  • $95,492Average loans

List of branches

  • 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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