First National Bank of Ruidoso in Ruidoso, New Mexico (NM)
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| First National Bank of Ruidoso | |
|---|---|
| General | FDIC 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 |
| Location | Address: 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 Summary | Total assets: $52.1 mil |
| 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 |
| Securities | $16,380 |
| 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 |
| Surplus | $700 |
| Undivided profits | $700 |
| Memoranda | |
| 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 |
| Derivatives | $434 |
| 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 |
| Performance and Condition Ratios (December 31, 2010) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.29% |
| 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 ratio | 6.78% |
| 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 deposits | 2.53% |
| 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% |
| Memoranda | |
| Average assets | $19 |
| Average earning assets | $54,473 |
| Average equity | $6,395 |
| Average loans | $50,259 |
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Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.