The First National Bank of New Mexico in Clayton, New Mexico (NM)

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The First National Bank of New Mexico routing number info

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The First National Bank of New Mexico
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)66
Total assets$179,382
Cash and due from depository institutions$12,337
Interest-bearing balances$3,070
Federal funds sold & reverse repurchase agreements$10,000
Net loans & leases$107,200
Loan loss allowance $1,335
Trading account assets$0
Bank premises and fixed assets$8,046
Other real estate owned$0
Goodwill and other intangibles$301
All other assets$4,078
Life insurance assets$179,381
Total liabilities and capital$163,118
Total liabilities$161,106
Total deposits$119,603
Interest-bearing deposits$161,106
Deposits held in domestic offices$78
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,277
Other borrowed funds $0
Subordinated debt $735
All other liabilities $16,263
Total equity capital$16,263
Total bank equity capital$16,263
Perpetual preferred stock$0
Common stock$1,200
Undivided profits $9,263
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $627
Earning assets $0
Long-term assets (5+ years) $1,220
Average Assets, year-to-date $157,690
Average Assets, quarterly $36,608
Volatile liabilities $174,195
Insider loans $175,951
FHLB advances $120,270
Loans and leases held for sale $175,782
Unused loan commitments $1,671
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,497
Total risk weighted assets $1,115
Total unused commitments $556
Restructured Loans and leases $22,281
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,321
Total interest expense $839
Net interest income $7,482
Provision for loan and lease losses $291
Total noninterest income $1,663
Fiduciary activities $0
Service charges on deposit accounts $1,108
Trading account gains & fees $0
Additional noninterest income $555
Total noninterest expense $6,904
Salaries and employee benefits $3,803
Premises and equipment expense $942
Additional noninterest expense $2,159
Pre-tax net operating income $1,950
Securities gains (losses) $72
Applicable income taxes $0
Income before extraordinary items $2,022
Extraordinary gains - net $0
Net income attributable to bank $2,022
Net charge-offs $0
Cash dividends $2,022
Sale, conversion, retirement of capital stock, net $234
Net operating income $890
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.47%
Cost of funding earning assets 0.55%
Net interest margin 4.92%
Noninterest income to earning assets 1.09%
Noninterest expense to earning assets 4.54%
Net operating income to assets 1.12%
Return on assets (ROA) 1.16%
Pretax return on assets 1.16%
Return on equity (ROE) 13.38%
Retained earnings to average equity (YTD only) 7.49%
Net charge-offs to loans 0.22%
Credit loss provision to net charge-offs 124.36%
Efficiency ratio9.58%
Assets per employee$75,495
Cash dividends to net income (YTD only)2.72%
Condition Ratios (%)
Loss allowance to loans 44.02%
Loss allowance to noncurrent loans 1.23%
Noncurrent assets plus other real estate owned to assets 212.92%
Noncurrent loans to loans 0.35%
Net loans and leases to deposits0.58%
Net loans and leases to core deposits 66.54%
Equity capital to assets 73.96%
Core capital (leverage) ratio 9.07%
Tier 1 risk-based capital ratio 8.25%
Total risk-based capital ratio 12.05%
Average assets$13
Average earning assets$174,195
Average equity $15,108
Average loans $152,068
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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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