The Carlsbad National Bank in Carlsbad, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Carlsbad National Bank - Overview

  • General
  • FDIC Certificate #: 2241
    Status: Active
    Federal Reserve ID: 219651
    Bank Holding Company (Regulatory Top Holder): Carlsbad Bancorporation, Inc. (RSSDID: 1131527, Location: Carlsbad, NM)
    Date Established: August 01, 1924
    WWW: http://www.carlsbadnational.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 10662
    FDIC's unique #: 1491
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 202 West Stevens Street, Carlsbad, NM 88220
    County: Eddy
    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): Carlsbad-Artesia, NM (#16100)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $233.7 mil
    Equity capital: $22.4 mil
    Deposits held in domestic offices: $204.4 mil
    Return on assets (ROA): 1.53% ($3.6 mil)
    Quarterly return on assets: 0.85% ($2.0 mil)
    Return on Equity (ROE): 15.18% ($3.3 mil)
    Quarterly return on equity: 8.53% ($1.9 mil)
    Net income: $3.3 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.53% ($3,576.0 mil)
    Quarterly Pretax return on assets: 0.85% ($1,986.7 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
  • 65Total employees (full-time equivalent)
  • $233,724Total assets
  • $25,541Cash and due from depository institutions
  • $19,156Interest-bearing balances
  • $110,612Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $92,646Net loans & leases
  • $1,344Loan loss allowance
  • $0Trading account assets
  • $2,537Bank premises and fixed assets
  • $0Other real estate owned
  • $545Goodwill and other intangibles
  • $233,723Life insurance assets
  • $1,843All other assets
  • $211,331Total liabilities and capital
  • $204,449Total liabilities
  • $192,467Total deposits
  • $204,449Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 6767.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $115Subordinated debt
  • $22,392All other liabilities
  • $22,392Total equity capital
  • $22,392Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $2,500Surplus
  • $17,392Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $616Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19Income earned, not collected on loans
  • $0Earning assets
  • $729Long-term assets (5+ years)
  • $222,414Average Assets, year-to-date
  • $96,131Average Assets, quarterly
  • $216,921Volatile liabilities
  • $226,362Insider loans
  • $108,411FHLB advances
  • $228,462Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $21,964Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,565Restructured Loans and leases
  • $5,513Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,542Total interest income
  • $886Total interest expense
  • $7,656Net interest income
  • $20Provision for loan and lease losses
  • $2,651Total noninterest income
  • $504Fiduciary activities
  • $1,115Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,032Additional noninterest income
  • $6,218Total noninterest expense
  • $3,293Salaries and employee benefits
  • $882Premises and equipment expense
  • $2,043Additional noninterest expense
  • $4,069Pre-tax net operating income
  • -$755Securities gains (losses)
  • $0Applicable income taxes
  • $3,314Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,314Net income attributable to bank
  • $0Net charge-offs
  • $3,314Cash dividends
  • -$4Sale, conversion, retirement of capital stock, net
  • $1,901Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.11%Yield on earning assets
  • 0.43%Cost of funding earning assets
  • 3.69%Net interest margin
  • 1.28%Noninterest income to earning assets
  • 3.00%Noninterest expense to earning assets
  • 1.88%Net operating income to assets
  • 1.53%Return on assets (ROA)
  • 1.53%Pretax return on assets
  • 15.18%Return on equity (ROE)
  • 6.47%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • -500.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 60,328Assets per employee
  • 3.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.36%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 7073.68%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 45.31%Net loans and leases to core deposits
  • 47.47%Equity capital to assets
  • 9.58%Core capital (leverage) ratio
  • 9.61%Tier 1 risk-based capital ratio
  • 20.26%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $216,921Average earning assets
  • $21,827Average equity
  • $207,589Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $86,761Managed Assets
  • 1Number of Accounts
  • $60,109Personal trust and agency accounts
  • $42,239Employee benefit-defined contribution accounts
  • $4,516Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $721Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $12,633Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 242Number of Accounts
  • $0Personal trust and agency accounts
  • $721Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $26,652Other retirement accounts
  • $0Corporate trust and agency accounts
  • $914Other fiduciary accounts
  • $7,679Fiduciary accounts held in foreign offices

List of branches

  • 3 New Mexico Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01491The Carlsbad National Bank202 West Stevens Street, Carlsbad, NM 88220August 01, 1924Full Service Brick and Mortar
    1192163North Branch1509 West Pierce Street, Carlsbad, NM 88220August 26, 1963Full Service Brick and Mortar
    2192164Wal-Mart Super Center Branch2401 South Canal Street, Carlsbad, NM 88220October 14, 1998Full Service Brick and Mortar

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