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

The First National Bank of New Mexico - Overview

  • General
  • FDIC Certificate #: 19027
    Status: Active
    Federal Reserve ID: 562553
    Bank Holding Company (Regulatory Top Holder): Union Bancshares, Inc. (RSSDID: 1058503, Location: Clayton, NM)
    Date Established: Febuary 03, 1964
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 12817
    FDIC's unique #: 12867
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: Febuary 03, 1964
    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: 201 Main Street, Clayton, NM 88415
    County: Union
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $179.4 mil
    Equity capital: $16.3 mil
    Deposits held in domestic offices: $161.1 mil
    Return on assets (ROA): 1.16% ($2.1 mil)
    Quarterly return on assets: 1.27% ($2.3 mil)
    Return on Equity (ROE): 13.38% ($2.1 mil)
    Quarterly return on equity: 13.89% ($2.2 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.16% ($2,080.8 mil)
    Quarterly Pretax return on assets: 1.27% ($2,278.2 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
  • 66Total employees (full-time equivalent)
  • $179,382Total assets
  • $12,337Cash and due from depository institutions
  • $3,070Interest-bearing balances
  • $37,420Securities
  • $10,000Federal funds sold & reverse repurchase agreements
  • $107,200Net loans & leases
  • $1,335Loan loss allowance
  • $0Trading account assets
  • $8,046Bank premises and fixed assets
  • $0Other real estate owned
  • $301Goodwill and other intangibles
  • $179,381Life insurance assets
  • $4,078All other assets
  • $163,118Total liabilities and capital
  • $161,106Total liabilities
  • $119,603Total deposits
  • $161,106Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,277Trading liabilities
  • $0Other borrowed funds
  • $735Subordinated debt
  • $16,263All other liabilities
  • $16,263Total equity capital
  • $16,263Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $5,800Surplus
  • $9,263Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $627Income earned, not collected on loans
  • $0Earning assets
  • $1,220Long-term assets (5+ years)
  • $157,690Average Assets, year-to-date
  • $36,608Average Assets, quarterly
  • $174,195Volatile liabilities
  • $175,951Insider loans
  • $120,270FHLB advances
  • $175,782Loans and leases held for sale
  • $1,671Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,497Tier 2 risk-based capital
  • $1,115Total risk weighted assets
  • $556Total unused commitments
  • $22,281Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,321Total interest income
  • $839Total interest expense
  • $7,482Net interest income
  • $291Provision for loan and lease losses
  • $1,663Total noninterest income
  • $0Fiduciary activities
  • $1,108Service charges on deposit accounts
  • $0Trading account gains & fees
  • $555Additional noninterest income
  • $6,904Total noninterest expense
  • $3,803Salaries and employee benefits
  • $942Premises and equipment expense
  • $2,159Additional noninterest expense
  • $1,950Pre-tax net operating income
  • $72Securities gains (losses)
  • $0Applicable income taxes
  • $2,022Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,022Net income attributable to bank
  • $0Net charge-offs
  • $2,022Cash dividends
  • $234Sale, conversion, retirement of capital stock, net
  • $890Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.47%Yield on earning assets
  • 0.55%Cost of funding earning assets
  • 4.92%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 4.54%Noninterest expense to earning assets
  • 1.12%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 13.38%Return on equity (ROE)
  • 7.49%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 124.36%Credit loss provision to net charge-offs
  • 9.58%Efficiency ratio
  • 75,495Assets per employee
  • 2.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.02%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 212.92%Noncurrent assets plus other real estate owned to assets
  • 0.35%Noncurrent loans to loans
  • 0.58%Net loans and leases to deposits
  • 66.54%Net loans and leases to core deposits
  • 73.96%Equity capital to assets
  • 9.07%Core capital (leverage) ratio
  • 8.25%Tier 1 risk-based capital ratio
  • 12.05%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $174,195Average earning assets
  • $15,108Average equity
  • $152,068Average loans

List of branches

  • 6 New Mexico Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012867The First National Bank Of New Mexic201 Main Street, Clayton, NM 88415Febuary 03, 1964Full Service Brick and Mortar
    1247107Raton Branch1104 South Second Street, Raton, NM 87740Febuary 17, 1998Full Service Brick and Mortar
    28408Tucumcari Branch101 East Tucumcari Boulevard, Tucumcari, NM 88401January 08, 1920Full Service Brick and Mortar
    3229448Logan Branch919 Martinez St, Logan, NM 88426June 02, 1986Full Service Brick and Mortar
    4424270Angel Fire Branch1 First National Place, Angel Fire, NM 87710June 30, 2003Full Service Brick and Mortar
    5492787Santa Rosa Branch2458 Historic Route 66, Santa Rosa, NM 88435October 20, 2008Full Service Brick and Mortar

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