International Bank in Raton, New Mexico (NM), CO
Overview, Financial Summary, Detailed Financial Reports, Branches

International Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Office Purchased
  • Financial Summary
  • Total 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
  • 85Total employees (full-time equivalent)
  • $308,846Total assets
  • $14,420Cash and due from depository institutions
  • $6,763Interest-bearing balances
  • $56,831Securities
  • $15,500Federal funds sold & reverse repurchase agreements
  • $201,473Net loans & leases
  • $4,177Loan loss allowance
  • $0Trading account assets
  • $7,490Bank premises and fixed assets
  • $7,625Other real estate owned
  • $0Goodwill and other intangibles
  • $308,846Life insurance assets
  • $5,507All other assets
  • $274,560Total liabilities and capital
  • $259,026Total liabilities
  • $206,839Total deposits
  • $259,026Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,000Trading liabilities
  • $0Other borrowed funds
  • $534Subordinated debt
  • $34,286All other liabilities
  • $34,286Total equity capital
  • $34,286Total bank equity capital
  • $0Perpetual preferred stock
  • $1,365Common stock
  • $9,267Surplus
  • $23,654Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,194Income earned, not collected on loans
  • $642Earning assets
  • $2,296Long-term assets (5+ years)
  • $280,567Average Assets, year-to-date
  • $33,589Average Assets, quarterly
  • $315,635Volatile liabilities
  • $311,313Insider loans
  • $218,736FHLB advances
  • $309,405Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $33,278Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,867Restructured Loans and leases
  • $2,933Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,553Total interest income
  • $2,323Total interest expense
  • $15,230Net interest income
  • $4,188Provision for loan and lease losses
  • $1,887Total noninterest income
  • $0Fiduciary activities
  • $907Service charges on deposit accounts
  • $0Trading account gains & fees
  • $980Additional noninterest income
  • $9,896Total noninterest expense
  • $5,164Salaries and employee benefits
  • $999Premises and equipment expense
  • $3,733Additional noninterest expense
  • $3,033Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,033Applicable income taxes
  • $2,000Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,000Net income attributable to bank
  • $0Net charge-offs
  • $2,000Cash dividends
  • $3,905Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.10%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 5.29%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 3.44%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 6.03%Return on equity (ROE)
  • 6.03%Retained earnings to average equity (YTD only)
  • 1.73%Net charge-offs to loans
  • 107.25%Credit loss provision to net charge-offs
  • 1.85%Efficiency ratio
  • 57,814Assets per employee
  • 3.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.03%Loss allowance to noncurrent loans
  • 34.25%Noncurrent assets plus other real estate owned to assets
  • 6.42%Noncurrent loans to loans
  • 5.93%Net loans and leases to deposits
  • 77.78%Net loans and leases to core deposits
  • 83.06%Equity capital to assets
  • 11.10%Core capital (leverage) ratio
  • 10.76%Tier 1 risk-based capital ratio
  • 15.21%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $315,635Average earning assets
  • $33,157Average equity
  • $287,929Average loans

List of branches

  • 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
  • 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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