International Bank in Raton, New Mexico (NM), CO



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Table of contents:
International Bank
GeneralFDIC Certificate #: 11492
Status: Active
Federal Reserve ID: 209858
Bank Holding Company (Regulatory Top Holder): Raton Capital Corporation (RSSDID: 2003108, Location: Raton, NM)
Date Established: April 09, 1918
WWW: http://www.classicbanking.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: Yes)
OTS Docket #: 13081
FDIC's unique #: 7347
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: January 01, 1934
Last Structure Change Effective Date: May 29, 2009
Last Structure Change Process Date: June 26, 2009
Last Data Update: June 26, 2009
Data Source Date: April 05, 2012
LocationAddress: 200 South 2nd Street, Raton, NM 87740
County: Colfax
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
History of ChangesOffice Purchased
Financial SummaryTotal assets: $308.8 mil
Equity capital: $34.3 mil
Deposits held in domestic offices: $259.0 mil
Return on assets (ROA): 0.63% ($1.9 mil)
Quarterly return on assets: 0.87% ($2.7 mil)
Return on Equity (ROE): 6.03% ($2.1 mil)
Quarterly return on equity: 7.93% ($2.7 mil)
Net income: $2.0 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 0.96% ($2,964.9 mil)
Quarterly Pretax return on assets: 1.34% ($4,138.5 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)
Total employees (full-time equivalent)85
Total assets$308,846
Cash and due from depository institutions$14,420
Interest-bearing balances$6,763
Securities$56,831
Federal funds sold & reverse repurchase agreements$15,500
Net loans & leases$201,473
Loan loss allowance $4,177
Trading account assets$0
Bank premises and fixed assets$7,490
Other real estate owned$7,625
Goodwill and other intangibles$0
All other assets$5,507
Life insurance assets$308,846
Total liabilities and capital$274,560
Total liabilities$259,026
Total deposits$206,839
Interest-bearing deposits$259,026
Deposits held in domestic offices$76
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$15,000
Other borrowed funds $0
Subordinated debt $534
All other liabilities $34,286
Total equity capital$34,286
Total bank equity capital$34,286
Perpetual preferred stock$0
Common stock$1,365
Surplus$9,267
Undivided profits $23,654
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $12,194
Earning assets $642
Long-term assets (5+ years) $2,296
Average Assets, year-to-date $280,567
Average Assets, quarterly $33,589
Volatile liabilities $315,635
Insider loans $311,313
FHLB advances $218,736
Loans and leases held for sale $309,405
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $33,278
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $11,867
Derivatives$2,933
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $17,553
Total interest expense $2,323
Net interest income $15,230
Provision for loan and lease losses $4,188
Total noninterest income $1,887
Fiduciary activities $0
Service charges on deposit accounts $907
Trading account gains & fees $0
Additional noninterest income $980
Total noninterest expense $9,896
Salaries and employee benefits $5,164
Premises and equipment expense $999
Additional noninterest expense $3,733
Pre-tax net operating income $3,033
Securities gains (losses) $0
Applicable income taxes $1,033
Income before extraordinary items $2,000
Extraordinary gains - net $0
Net income attributable to bank $2,000
Net charge-offs $0
Cash dividends $2,000
Sale, conversion, retirement of capital stock, net $3,905
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.10%
Cost of funding earning assets 0.81%
Net interest margin 5.29%
Noninterest income to earning assets 0.66%
Noninterest expense to earning assets 3.44%
Net operating income to assets 0.63%
Return on assets (ROA) 0.63%
Pretax return on assets 0.96%
Return on equity (ROE) 6.03%
Retained earnings to average equity (YTD only) 6.03%
Net charge-offs to loans 1.73%
Credit loss provision to net charge-offs 107.25%
Efficiency ratio1.85%
Assets per employee$57,814
Cash dividends to net income (YTD only)3.63%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.03%
Noncurrent assets plus other real estate owned to assets 34.25%
Noncurrent loans to loans 6.42%
Net loans and leases to deposits5.93%
Net loans and leases to core deposits 77.78%
Equity capital to assets 83.06%
Core capital (leverage) ratio 11.10%
Tier 1 risk-based capital ratio 10.76%
Total risk-based capital ratio 15.21%
Memoranda
Average assets$16
Average earning assets$315,635
Average equity $33,157
Average loans $287,929
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2 Colorado Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
4490156Southlands Branch24450 East Smoky Hill Road, Aurora, CO 80016April 23, 2009Full Service Brick and Mortar
6491624North Convent Branch320 North Convent St, Trinidad, CO 81082May 29, 2009Full Service Brick and Mortar
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4 New Mexico Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07347International Bank200 South 2nd Street, Raton, NM 87740April 09, 1918Full Service Brick and Mortar
1224694Cimarron BranchHighway 64, Cimarron, NM 87714April 01, 1963Full Service Brick and Mortar
2224695Angel Fire Branch#9 North Angel Fire Road, Angel Fire, NM 87710October 30, 1978Full Service Brick and Mortar
3224696Springer Branch419 Maxwell Avenue, Springer, NM 87747March 01, 1999Full Service Brick and Mortar
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