Farmers & Stockmens Bank in Clayton, New Mexico (NM), CO
Overview, Financial Summary, Detailed Financial Reports, Branches


Farmers & Stockmens Bank - Overview

  • General
  • FDIC Certificate #: 13625
    Status: Active
    Federal Reserve ID: 622653
    Bank Holding Company (Regulatory Top Holder): Central Bancorp, Inc. (RSSDID: 3640425, Location: Colorado Springs, CO)
    Date Established: July 06, 1920
    WWW: http://www.fandsbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: Yes)
    FDIC's unique #: 8520
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 13, 2011
    Last Structure Change Process Date: July 13, 2011
    Last Data Update: July 13, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 22 Maple Street, Clayton, NM 88415
    County: Union
    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
  • Financial Summary
  • Total assets: $114.9 mil
    Equity capital: $10.6 mil
    Deposits held in domestic offices: $104.0 mil
    Return on assets (ROA): 0.65% ($0.7 mil)
    Quarterly return on assets: 0.95% ($1.1 mil)
    Return on Equity (ROE): 6.59% ($0.7 mil)
    Quarterly return on equity: 10.13% ($1.1 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.65% ($747.1 mil)
    Quarterly Pretax return on assets: 0.95% ($1,091.9 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
  • 51Total employees (full-time equivalent)
  • $114,942Total assets
  • $5,629Cash and due from depository institutions
  • $2,399Interest-bearing balances
  • $15,014Securities
  • $21,475Federal funds sold & reverse repurchase agreements
  • $66,138Net loans & leases
  • $1,083Loan loss allowance
  • $0Trading account assets
  • $3,877Bank premises and fixed assets
  • $452Other real estate owned
  • $1,082Goodwill and other intangibles
  • $114,942Life insurance assets
  • $1,275All other assets
  • $104,345Total liabilities and capital
  • $103,961Total liabilities
  • $73,326Total deposits
  • $103,961Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $384Subordinated debt
  • $10,597All other liabilities
  • $10,597Total equity capital
  • $10,597Total bank equity capital
  • $0Perpetual preferred stock
  • $686Common stock
  • $9,708Surplus
  • $203Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $6,359Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $828Income earned, not collected on loans
  • $0Earning assets
  • $873Long-term assets (5+ years)
  • $105,026Average Assets, year-to-date
  • $37,172Average Assets, quarterly
  • $92,435Volatile liabilities
  • $109,097Insider loans
  • $87,819FHLB advances
  • $105,929Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,569Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,200Restructured Loans and leases
  • $2,099Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,593Total interest income
  • $492Total interest expense
  • $4,101Net interest income
  • $659Provision for loan and lease losses
  • $2,688Total noninterest income
  • $0Fiduciary activities
  • $237Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,451Additional noninterest income
  • $5,533Total noninterest expense
  • $2,884Salaries and employee benefits
  • $761Premises and equipment expense
  • $1,888Additional noninterest expense
  • $597Pre-tax net operating income
  • $2Securities gains (losses)
  • $0Applicable income taxes
  • $599Income before extraordinary items
  • $0Extraordinary gains - net
  • $599Net income attributable to bank
  • $0Net charge-offs
  • $599Cash dividends
  • -$38Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.52%Yield on earning assets
  • 0.59%Cost of funding earning assets
  • 4.93%Net interest margin
  • 3.23%Noninterest income to earning assets
  • 6.65%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.65%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 6.59%Return on equity (ROE)
  • 6.59%Retained earnings to average equity (YTD only)
  • -0.06%Net charge-offs to loans
  • -1734.21%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 79,806Assets per employee
  • 2.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 130.80%Noncurrent assets plus other real estate owned to assets
  • 1.11%Noncurrent loans to loans
  • 1.23%Net loans and leases to deposits
  • 63.62%Net loans and leases to core deposits
  • 69.22%Equity capital to assets
  • 9.22%Core capital (leverage) ratio
  • 9.03%Tier 1 risk-based capital ratio
  • 10.90%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $92,435Average earning assets
  • $9,089Average equity
  • $83,216Average loans

List of branches

  • 1 Colorado Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4498628Central Bank & Trust Branch1 South Nevada Avenue, Colorado Springs, CO 80903November 18, 2009Full Service Brick and Mortar
  • 2 New Mexico Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08520Farmers & Stockmens Bank22 Maple Street, Clayton, NM 88415July 06, 1920Full Service Brick and Mortar
    1229736Des Moines BranchHighway 87, Des Moines, NM 88418August 09, 1971Full Service Brick and Mortar

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