First National Bank in city_name, state_name - Detailed Financial Reports, Location

First National Bank in Alamogordo, New Mexico (NM)
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First National Bank routing number info

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First National Bank - Overview

General
FDIC Certificate #: 17643
Status: Active
Federal Reserve ID: 823450
Bank Holding Company (Regulatory Top Holder): First Alamogordo Bancorp Of Nevada, Inc. (RSSDID: 2522337, Location: Alamogordo, NM)
Date Established: August 23, 1956
WWW: http://www.fnb4u.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 8 (Domestic: 8, Interstate: No)
OTS Docket #: 13830
FDIC's unique #: 11608
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: August 23, 1956
Last Structure Change Effective Date: July 07, 2011
Last Structure Change Process Date: July 14, 2011
Last Data Update: July 14, 2011
Data Source Date: April 05, 2012
Location
Address: 414 Tenth Street, Alamogordo, NM 88310
County: Otero
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): Alamogordo, NM (#10460)
CBSA Micro Statistical Area: Yes
History of Changes
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $309.1 mil
Equity capital: $37.8 mil
Deposits held in domestic offices: $270.3 mil
Return on assets (ROA): 1.22% ($3.8 mil)
Quarterly return on assets: 1.29% ($4.0 mil)
Return on Equity (ROE): 10.51% ($4.0 mil)
Quarterly return on equity: 10.25% ($3.9 mil)
Net income: $3.7 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 1.22% ($3,770.6 mil)
Quarterly Pretax return on assets: 1.29% ($3,986.9 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
84Total employees (full-time equivalent)
$309,063Total assets
$39,774Cash and due from depository institutions
$31,479Interest-bearing balances
$150,014Securities
$0Federal funds sold & reverse repurchase agreements
$108,158Net loans & leases
$1,884Loan loss allowance
$0Trading account assets
$7,940Bank premises and fixed assets
$156Other real estate owned
$0Goodwill and other intangibles
$309,063Life insurance assets
$3,021All other assets
$271,271Total liabilities and capital
$270,291Total liabilities
$194,837Total deposits
$270,291Interest-bearing deposits
$76Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$60Trading liabilities
$0Other borrowed funds
$920Subordinated debt
$37,792All other liabilities
$37,792Total equity capital
$37,792Total bank equity capital
$0Perpetual preferred stock
$1,700Common stock
$1,700Surplus
$34,392Undivided profits
Memoranda
$0Noncurrent loans and leases
$457Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,119Income earned, not collected on loans
$0Earning assets
$1,306Long-term assets (5+ years)
$289,651Average Assets, year-to-date
$155,745Average Assets, quarterly
$307,113Volatile liabilities
$302,402Insider loans
$155,719FHLB advances
$302,612Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$33,255Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$11,264Restructured Loans and leases
$16Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,263Total interest income
$980Total interest expense
$11,283Net interest income
$28Provision for loan and lease losses
$2,426Total noninterest income
$0Fiduciary activities
$872Service charges on deposit accounts
$0Trading account gains & fees
$1,554Additional noninterest income
$10,171Total noninterest expense
$3,894Salaries and employee benefits
$1,373Premises and equipment expense
$4,904Additional noninterest expense
$3,510Pre-tax net operating income
$239Securities gains (losses)
$0Applicable income taxes
$3,749Income before extraordinary items
$0Extraordinary gains - net
$3,749Net income attributable to bank
$0Net charge-offs
$3,749Cash dividends
-$162Sale, conversion, retirement of capital stock, net
$2,663Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.28%Yield on earning assets
0.34%Cost of funding earning assets
3.94%Net interest margin
0.85%Noninterest income to earning assets
3.55%Noninterest expense to earning assets
1.14%Net operating income to assets
1.22%Return on assets (ROA)
1.22%Pretax return on assets
10.51%Return on equity (ROE)
3.04%Retained earnings to average equity (YTD only)
-0.15%Net charge-offs to loans
-17.28%Credit loss provision to net charge-offs
0.00%Efficiency ratio
74,192Assets per employee
3.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
71.03%Loss allowance to loans
1.71%Loss allowance to noncurrent loans
168.36%Noncurrent assets plus other real estate owned to assets
0.41%Noncurrent loans to loans
1.02%Net loans and leases to deposits
40.02%Net loans and leases to core deposits
43.46%Equity capital to assets
12.23%Core capital (leverage) ratio
10.99%Tier 1 risk-based capital ratio
21.36%Total risk-based capital ratio
Memoranda
$23Average assets
$307,113Average earning assets
$35,678Average equity
$286,382Average loans

List of branches

8 New Mexico Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	11608	First National Bank	414 Tenth Street, Alamogordo, NM 88310	August 23, 1956	Full Service Brick and Mortar
2	242411	Cloudcroft Branch	North Burro Avenue, Cloudcroft, NM 88317	November 15, 1963	Full Service Brick and Mortar
3	242412	First Street Branch	804 First Street, Alamogordo, NM 88310	May 22, 1972	Limited Service Facility
4	242413	North Branch	3101 North White Sands Boulevard, Alamogordo, NM 88310	July 24, 1997	Limited Service Facility
5	242414	Tularosa Branch	206 Central Avenue, Tularosa, NM 88352	December 15, 1997	Full Service Brick and Mortar
6	441040	Artesia Branch	908 West Main Street, Artesia, NM 88211	May 17, 2005	Full Service Brick and Mortar
7	33159	Ruidoso Branch	451 Sudderth Drive, Ruidoso, NM 88345	December 16, 1985	Full Service Brick and Mortar
8	259572	Upper Canyon Branch	100 Main Road, Ruidoso, NM 88345	November 28, 1989	Limited Service Facility

First National Bank in Alamogordo, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank in Alamogordo, New Mexico (NM)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank in Alamogordo, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches