Mountain Community Bank in Los Alamos, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 12, 1999

  • Mountain Community Bank in Los Alamos, New Mexico (NM)
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Mountain Community Bank - Overview

  • General
  • FDIC Certificate #: 22591
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community Bank (#21000)
    Federal Reserve ID: 208253
    Date Established: January 16, 1978
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 10199
    FDIC's unique #: 15757
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 16, 1978
    Last Structure Change Effective Date: March 12, 1999
    Last Structure Change Process Date: March 18, 1999
    Last Data Update: March 18, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 1475 Central Avenue, Los Alamos, NM 87544
    County: Los Alamos
    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
    Metropolitan Statistical Area (MSA): Santa Fe, NM (#7490)
    Core Based Statistical Area (CBSA): Los Alamos, NM (#31060)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $86.5 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 43Total employees (full-time equivalent)
  • $86,482Total assets
  • $5,836Cash and due from depository institutions
  • $3,336Interest-bearing balances
  • $3,361Securities
  • $15,695Federal funds sold & reverse repurchase agreements
  • $57,125Net loans & leases
  • $779Loan loss allowance
  • $0Trading account assets
  • $3,470Bank premises and fixed assets
  • $111Other real estate owned
  • $36Goodwill and other intangibles
  • $0Life insurance assets
  • $848All other assets
  • $86,482Total liabilities and capital
  • $80,543Total liabilities
  • $78,002Total deposits
  • $73,906Interest-bearing deposits
  • $78,002Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $2,277Other borrowed funds
  • $0Subordinated debt
  • $264All other liabilities
  • $5,939Total equity capital
  • $5,939Total bank equity capital
  • $5,939Perpetual preferred stock
  • $0Common stock
  • $575Surplus
  • $1,500Undivided profits
  • Memoranda
  • $3,864Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $142Earning assets
  • $0Long-term assets (5+ years)
  • $353Average Assets, year-to-date
  • $79,517Average Assets, quarterly
  • $11,820Volatile liabilities
  • $84,018Insider loans
  • $88,294FHLB advances
  • $8,255Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,909Total risk weighted assets
  • $6,962Total unused commitments
  • $0Restructured Loans and leases
  • $60,983Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $9,231Total interest income
  • $3,989Total interest expense
  • $5,242Net interest income
  • $852Provision for loan and lease losses
  • $340Total noninterest income
  • $0Fiduciary activities
  • $93Service charges on deposit accounts
  • $0Trading account gains & fees
  • $247Additional noninterest income
  • $4,141Total noninterest expense
  • $1,969Salaries and employee benefits
  • $615Premises and equipment expense
  • $1,557Additional noninterest expense
  • $589Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $589Income before extraordinary items
  • $0Extraordinary gains - net
  • $589Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $769Sale, conversion, retirement of capital stock, net
  • $230Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 12.11%Yield on earning assets
  • 5.23%Cost of funding earning assets
  • 6.87%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 5.43%Noninterest expense to earning assets
  • 0.70%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 9.99%Return on equity (ROE)
  • 6.09%Retained earnings to average equity (YTD only)
  • 1.30%Net charge-offs to loans
  • 110.65%Credit loss provision to net charge-offs
  • 1.87%Efficiency ratio
  • 74,131Assets per employee
  • 2.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.05%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 548.59%Noncurrent assets plus other real estate owned to assets
  • 0.29%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 73.24%Net loans and leases to core deposits
  • 81.90%Equity capital to assets
  • 6.87%Core capital (leverage) ratio
  • 6.55%Tier 1 risk-based capital ratio
  • 9.76%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $84,018Average earning assets
  • $5,897Average equity
  • $76,255Average loans

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