First National Bank of Ruidoso in Ruidoso, New Mexico (NM)

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First National Bank of Ruidoso
GeneralFDIC Certificate #: 26491
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First National Bank (#17643)
Federal Reserve ID: 485353
Date Established: December 16, 1985
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Interstate: No)
FDIC's unique #: 33159
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: No
Date of Deposit Insurance: December 16, 1985
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
LocationAddress: 451 Sudderth 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
Financial SummaryTotal assets: $52.1 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, 2010)
(Dollar figures in thousands)
Total employees (full-time equivalent)19
Total assets$58,281
Cash and due from depository institutions$11,628
Interest-bearing balances$10,169
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$27,874
Loan loss allowance $480
Trading account assets$0
Bank premises and fixed assets$1,572
Other real estate owned$18
Goodwill and other intangibles$0
All other assets$809
Life insurance assets$0
Total liabilities and capital$58,281
Total liabilities$52,082
Total deposits$49,320
Interest-bearing deposits$38,061
Deposits held in domestic offices$49,320
% insured (estimated)79.35%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $2,572
Subordinated debt $0
All other liabilities $190
Total equity capital$6,199
Total bank equity capital$6,199
Perpetual preferred stock$6,199
Common stock$0
Undivided profits $700
Noncurrent loans and leases $4,799
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,918
Income earned, not collected on loans $0
Earning assets $716
Long-term assets (5+ years) $0
Average Assets, year-to-date $106
Average Assets, quarterly $54,423
Volatile liabilities $16,318
Insider loans $54,473
FHLB advances $56,189
Loans and leases held for sale $10,664
Unused loan commitments $0
Tier 1 (core) risk-based capital $2,572
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $2,918
Restructured Loans and leases $0
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Income and Expense (December 31, 2010)
(Dollar figures in thousands)
Total interest income $2,661
Total interest expense $332
Net interest income $2,329
Provision for loan and lease losses $205
Total noninterest income $472
Fiduciary activities $0
Service charges on deposit accounts $309
Trading account gains & fees $0
Additional noninterest income $163
Total noninterest expense $2,103
Salaries and employee benefits $910
Premises and equipment expense $233
Additional noninterest expense $960
Pre-tax net operating income $493
Securities gains (losses) $26
Applicable income taxes $0
Income before extraordinary items $519
Extraordinary gains - net $0
Net income attributable to bank $519
Net charge-offs $0
Cash dividends $519
Sale, conversion, retirement of capital stock, net $103
Net operating income $408
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Performance and Condition Ratios (December 31, 2010)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.29%
Cost of funding earning assets 0.66%
Net interest margin 4.63%
Noninterest income to earning assets 0.94%
Noninterest expense to earning assets 4.18%
Net operating income to assets 0.91%
Return on assets (ROA) 0.95%
Pretax return on assets 0.95%
Return on equity (ROE) 8.12%
Retained earnings to average equity (YTD only) 1.74%
Net charge-offs to loans 0.35%
Credit loss provision to net charge-offs 199.03%
Efficiency ratio6.78%
Assets per employee$75,080
Cash dividends to net income (YTD only)3.07%
Condition Ratios (%)
Loss allowance to loans 78.61%
Loss allowance to noncurrent loans 1.69%
Noncurrent assets plus other real estate owned to assets 67.04%
Noncurrent loans to loans 1.26%
Net loans and leases to deposits2.53%
Net loans and leases to core deposits 56.52%
Equity capital to assets 69.85%
Core capital (leverage) ratio 10.64%
Tier 1 risk-based capital ratio 11.03%
Total risk-based capital ratio 18.21%
Average assets$19
Average earning assets$54,473
Average equity $6,395
Average loans $50,259
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