Mutual Building and Loan Association FA in Las Cruces, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 30, 1993

  • Mutual Building and Loan Association FA in Las Cruces, New Mexico (NM)
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Mutual Building and Loan Association FA - Overview

  • General
  • FDIC Certificate #: 29139
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Federal Bank (#29702)
    Federal Reserve ID: 635073
    Date Established: January 01, 1926
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 2981
    FDIC's unique #: 41973
    Numeric code: 37
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: January 11, 1937
    Last Structure Change Effective Date: June 30, 1993
    Last Structure Change Process Date: October 07, 1993
    Last Data Update: October 07, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 510 S Main, Las Cruces, NM 88001
    County: Dona Ana
    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): Las Cruces, NM (#4100)
    Core Based Statistical Area (CBSA): Las Cruces, NM (#29740)
    CBSA Metro Statistical Area: Las Cruces, NM (#29740)
  • Financial Summary
  • Total assets: $84.1 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $45Total assets
  • $86,822Cash and due from depository institutions
  • $23,262Interest-bearing balances
  • $21,352Securities
  • $29,121Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $29,788Loan loss allowance
  • $652Trading account assets
  • $0Bank premises and fixed assets
  • $898Other real estate owned
  • $1,336Goodwill and other intangibles
  • $2,406Life insurance assets
  • $11All other assets
  • $0Total liabilities and capital
  • $86,822Total liabilities
  • $82,661Total deposits
  • $82,374Interest-bearing deposits
  • $79,599Deposits held in domestic offices
  • 82374.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $287Total equity capital
  • $287Total bank equity capital
  • $4,161Perpetual preferred stock
  • $0Common stock
  • $223Surplus
  • $1,200Undivided profits
  • Memoranda
  • $2,738Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $774Income earned, not collected on loans
  • $298Earning assets
  • $80,261Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $88,594Average Assets, quarterly
  • $87,382Volatile liabilities
  • $5,315Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,328Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,150Total risk weighted assets
  • $37,887Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,657Total interest expense
  • $4,181Net interest income
  • $1,476Provision for loan and lease losses
  • $46Total noninterest income
  • $634Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $634Total noninterest expense
  • $2,544Salaries and employee benefits
  • $1,041Premises and equipment expense
  • $421Additional noninterest expense
  • $1,082Pre-tax net operating income
  • -$480Securities gains (losses)
  • $367Applicable income taxes
  • $33Income before extraordinary items
  • -$146Extraordinary gains - net
  • $0Net income attributable to bank
  • -$146Net charge-offs
  • -$224Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.94%Cost of funding earning assets
  • 5.13%Net interest margin
  • 1.81%Noninterest income to earning assets
  • 0.78%Noninterest expense to earning assets
  • 3.12%Net operating income to assets
  • -0.58%Return on assets (ROA)
  • -0.16%Pretax return on assets
  • -0.13%Return on equity (ROE)
  • -3.36%Retained earnings to average equity (YTD only)
  • -3.36%Net charge-offs to loans
  • -0.68%Credit loss provision to net charge-offs
  • -20.54%Efficiency ratio
  • 120,569Assets per employee
  • 1.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.14%Loss allowance to noncurrent loans
  • 84.24%Noncurrent assets plus other real estate owned to assets
  • 2.43%Noncurrent loans to loans
  • 2.54%Net loans and leases to deposits
  • 36.16%Net loans and leases to core deposits
  • 38.66%Equity capital to assets
  • 4.79%Core capital (leverage) ratio
  • 4.78%Tier 1 risk-based capital ratio
  • 10.95%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $88,594Average earning assets
  • $4,347Average equity
  • $81,493Average loans

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