Community Bank in Santa Fe, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches


Community Bank - Overview

  • General
  • FDIC Certificate #: 21000
    Status: Active
    Federal Reserve ID: 440259
    Bank Holding Company (Regulatory Top Holder): Community Bancorporation Of New Mexico, Inc. (RSSDID: 2184904, Location: Santa Fe, NM)
    Date Established: March 20, 1973
    WWW: http://www.communitybanknm.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 11300
    FDIC's unique #: 14504
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 20, 1973
    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: 549 South Guadalupe, Santa Fe, NM 87501
    County: Santa Fe
    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): Santa Fe, NM (#7490)
    Combined Statistical Area (CSA): Santa Fe-Espanola, NM (#492)
    Core Based Statistical Area (CBSA): Santa Fe, NM (#42140)
    CBSA Metro Statistical Area: Santa Fe, NM (#42140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $186.9 mil
    Equity capital: $22.2 mil
    Deposits held in domestic offices: $159.8 mil
    Return on assets (ROA): -0.02% (-$0.0 mil)
    Quarterly return on assets: 0.52% ($1.0 mil)
    Return on Equity (ROE): -0.18% (-$0.0 mil)
    Quarterly return on equity: 4.34% ($1.0 mil)
    Net income: -$0.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: -0.04% (-$74.8 mil)
    Quarterly Pretax return on assets: 0.80% ($1,495.3 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
  • 47Total employees (full-time equivalent)
  • $186,913Total assets
  • $26,123Cash and due from depository institutions
  • $23,738Interest-bearing balances
  • $25,647Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $120,627Net loans & leases
  • $3,251Loan loss allowance
  • $0Trading account assets
  • $5,467Bank premises and fixed assets
  • $1,125Other real estate owned
  • $6,095Goodwill and other intangibles
  • $186,913Life insurance assets
  • $1,829All other assets
  • $164,689Total liabilities and capital
  • $159,776Total liabilities
  • $138,509Total deposits
  • $159,776Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,327Trading liabilities
  • $0Other borrowed funds
  • $1,586Subordinated debt
  • $22,224All other liabilities
  • $22,224Total equity capital
  • $22,224Total bank equity capital
  • $0Perpetual preferred stock
  • $1,411Common stock
  • $17,359Surplus
  • $3,454Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,068Income earned, not collected on loans
  • $0Earning assets
  • $443Long-term assets (5+ years)
  • $170,012Average Assets, year-to-date
  • $38,579Average Assets, quarterly
  • $187,793Volatile liabilities
  • $183,330Insider loans
  • $124,481FHLB advances
  • $179,924Loans and leases held for sale
  • $558Unused loan commitments
  • $558Tier 1 (core) risk-based capital
  • $17,678Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,920Restructured Loans and leases
  • $1,693Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,320Total interest income
  • $1,181Total interest expense
  • $7,139Net interest income
  • $2,232Provision for loan and lease losses
  • $665Total noninterest income
  • $0Fiduciary activities
  • $411Service charges on deposit accounts
  • $0Trading account gains & fees
  • $254Additional noninterest income
  • $5,709Total noninterest expense
  • $3,035Salaries and employee benefits
  • $1,193Premises and equipment expense
  • $1,481Additional noninterest expense
  • -$137Pre-tax net operating income
  • $59Securities gains (losses)
  • -$39Applicable income taxes
  • -$39Income before extraordinary items
  • $0Extraordinary gains - net
  • -$39Net income attributable to bank
  • $0Net charge-offs
  • -$39Cash dividends
  • $1,687Sale, conversion, retirement of capital stock, net
  • $365Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 4.21%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 3.37%Noninterest expense to earning assets
  • -0.04%Net operating income to assets
  • -0.02%Return on assets (ROA)
  • -0.04%Pretax return on assets
  • -0.18%Return on equity (ROE)
  • -1.83%Retained earnings to average equity (YTD only)
  • 1.33%Net charge-offs to loans
  • 132.31%Credit loss provision to net charge-offs
  • 1.24%Efficiency ratio
  • 73,155Assets per employee
  • 3.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -935.90%Loss allowance to loans
  • 2.62%Loss allowance to noncurrent loans
  • 79.92%Noncurrent assets plus other real estate owned to assets
  • 2.78%Noncurrent loans to loans
  • 3.28%Net loans and leases to deposits
  • 75.50%Net loans and leases to core deposits
  • 82.53%Equity capital to assets
  • 11.89%Core capital (leverage) ratio
  • 9.83%Tier 1 risk-based capital ratio
  • 14.20%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $187,793Average earning assets
  • $22,137Average equity
  • $169,441Average loans

List of branches

  • 5 New Mexico Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014504Community Bank549 South Guadalupe, Santa Fe, NM 87501March 20, 1973Full Service Brick and Mortar
    1252006Tierra Amarilla OfficeHwy 64/84 Bldg 173-45, Tierra Amarilla, NM 87575June 01, 1981Full Service Brick and Mortar
    415757Los Alamos Branch1475 Central Avenue, Los Alamos, NM 87544January 16, 1978Full Service Brick and Mortar
    8424283Albuquerque Office6401 Jefferson Ne Suite B, Albuquerque, NM 87109January 06, 2004Full Service Brick and Mortar
    9425733Espanola Branch411 Carr Lane, Espanola, NM 87532Febuary 05, 2004Full Service Brick and Mortar

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