Pioneer Bank in Roswell, New Mexico (NM), TX
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Pioneer Bank in Roswell, New Mexico (NM), TX
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Pioneer Bank - Overview

  • General
  • FDIC Certificate #: 27872
    Status: Active
    Federal Reserve ID: 606176
    Date Established: Febuary 18, 1901
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 13 (Domestic: 13, Interstate: Yes)
    OTS Docket #: 450
    FDIC's unique #: 40706
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: September 15, 1936
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 3000 North Main Street, Roswell, NM 88201
    County: Chaves
    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): Roswell, NM (#40740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $594.7 mil
    Equity capital: $61.2 mil
    Deposits held in domestic offices: $436.4 mil
    Return on assets (ROA): 1.22% ($7.3 mil)
    Quarterly return on assets: 1.76% ($10.5 mil)
    Return on Equity (ROE): 12.49% ($7.6 mil)
    Quarterly return on equity: 17.90% ($10.9 mil)
    Net income: $7.3 mil
    Quarterly Net income: $2.7 mil
    Pretax return on assets: 1.22% ($7,255.3 mil)
    Quarterly Pretax return on assets: 1.76% ($10,466.7 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
  • 206Total employees (full-time equivalent)
  • $594,700Total assets
  • $18,340Cash and due from depository institutions
  • $9,939Interest-bearing balances
  • $254,512Securities
  • $8Federal funds sold & reverse repurchase agreements
  • $267,117Net loans & leases
  • $3,570Loan loss allowance
  • $0Trading account assets
  • $31,612Bank premises and fixed assets
  • $1,900Other real estate owned
  • $5,396Goodwill and other intangibles
  • $594,700Life insurance assets
  • $15,815All other assets
  • $533,528Total liabilities and capital
  • $436,370Total liabilities
  • $353,733Total deposits
  • $436,370Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $86,987Trading liabilities
  • $0Other borrowed funds
  • $10,171Subordinated debt
  • $61,172All other liabilities
  • $61,172Total equity capital
  • $61,172Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $1,499Surplus
  • $59,673Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $14,064Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,410Income earned, not collected on loans
  • $2,827Earning assets
  • $1,754Long-term assets (5+ years)
  • $531,576Average Assets, year-to-date
  • $215,246Average Assets, quarterly
  • $599,522Volatile liabilities
  • $615,474Insider loans
  • $254,476FHLB advances
  • $604,423Loans and leases held for sale
  • $3,711Unused loan commitments
  • $3,711Tier 1 (core) risk-based capital
  • $57,904Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $25,076Restructured Loans and leases
  • $1,565Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,773Total interest income
  • $5,360Total interest expense
  • $16,413Net interest income
  • $515Provision for loan and lease losses
  • $10,309Total noninterest income
  • $0Fiduciary activities
  • $4,002Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,307Additional noninterest income
  • $19,120Total noninterest expense
  • $9,581Salaries and employee benefits
  • $3,743Premises and equipment expense
  • $5,796Additional noninterest expense
  • $7,087Pre-tax net operating income
  • $218Securities gains (losses)
  • $0Applicable income taxes
  • $7,305Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,305Net income attributable to bank
  • $0Net charge-offs
  • $7,305Cash dividends
  • $467Sale, conversion, retirement of capital stock, net
  • $4,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.06%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 3.06%Net interest margin
  • 1.92%Noninterest income to earning assets
  • 3.56%Noninterest expense to earning assets
  • 1.18%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 12.49%Return on equity (ROE)
  • 5.48%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 110.28%Credit loss provision to net charge-offs
  • 16.28%Efficiency ratio
  • 71,552Assets per employee
  • 2.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.13%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 104.69%Noncurrent assets plus other real estate owned to assets
  • 0.89%Noncurrent loans to loans
  • 1.26%Net loans and leases to deposits
  • 61.21%Net loans and leases to core deposits
  • 66.39%Equity capital to assets
  • 10.29%Core capital (leverage) ratio
  • 9.58%Tier 1 risk-based capital ratio
  • 22.75%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $599,522Average earning assets
  • $58,471Average equity
  • $536,501Average loans

List of branches

  • 12 New Mexico Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040706Pioneer Bank3000 North Main Street, Roswell, NM 88201Febuary 18, 1901Full Service Brick and Mortar
    1263927Mechum Branch1095 Mechem, Ruidoso, NM 88345January 01, 1901Full Service Brick and Mortar
    22639281020 Tenth Street Branch1020 10th St, Alamogordo, NM 88310January 01, 1901Full Service Brick and Mortar
    100263930N Canel Branch111 N. Canal, Carlsbad, NM 88220January 01, 1901Full Service Brick and Mortar
    1012639311020 N Turner Branch1020 N Turner, Hobbs, NM 88240January 01, 1901Full Service Brick and Mortar
    102263932South Telshor Branch3831 East Lohman Ave, Las Cruces, NM 88011January 01, 1901Full Service Brick and Mortar
    103263933South Sunset Avenue Branch300 South Sunset Avenue, Roswell, NM 88201Febuary 09, 1998Full Service Brick and Mortar
    104263934North Main Street Branch3301 North Main Street, Roswell, NM 88201May 13, 1998Full Service Brick and Mortar
    105423097Las Cruces Branch2900 Roadrunner Parkway, Las Cruces, NM 88011October 09, 2001Full Service Brick and Mortar
    106424291St. Mary's Place Branch2 St. Mary's Place, Roswell, NM 88203November 07, 2003Full Service Brick and Mortar
    108517946University Avenue Branch705 East University Avenue, Las Cruces, NM 88001August 15, 2005Full Service Brick and Mortar
    109517947Penn Avenue Branch306 North Pennsylvania Avenue, Roswell, NM 88201January 11, 2010Full Service Brick and Mortar
  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    107495695Gateway Branch6068 Gateway East, El Paso, TX 79905June 30, 2007Full Service Brick and Mortar

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