The James Polk Stone Community Bank in city_name, state_name

The James Polk Stone Community Bank in Portales, New Mexico (NM)
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The James Polk Stone Community Bank routing number info

The James Polk Stone Community Bank - Overview

General
FDIC Certificate #: 2244
Status: Active
Federal Reserve ID: 785857
Bank Holding Company (Regulatory Top Holder): James Polk Stone Community Bancshares, Inc. (RSSDID: 1104978, Location: Portales, NM)
Date Established: July 30, 1906
WWW: http://www.jpstonecb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 13798
FDIC's unique #: 1493
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: September 03, 2010
Last Structure Change Process Date: September 10, 2010
Last Data Update: September 10, 2010
Data Source Date: April 05, 2012
Location
Address: 109 East Second Street, Portales, NM 88130
County: Roosevelt
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
Combined Statistical Area (CSA): Clovis-Portales, NM (#188)
Core Based Statistical Area (CBSA): Portales, NM (#38780)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $182.2 mil
Equity capital: $16.1 mil
Deposits held in domestic offices: $160.7 mil
Return on assets (ROA): 1.09% ($2.0 mil)
Quarterly return on assets: 0.58% ($1.1 mil)
Return on Equity (ROE): 12.15% ($1.9 mil)
Quarterly return on equity: 6.48% ($1.0 mil)
Net income: $1.9 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.09% ($1,985.5 mil)
Quarterly Pretax return on assets: 0.58% ($1,056.5 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
78Total employees (full-time equivalent)
$182,157Total assets
$34,187Cash and due from depository institutions
$19,854Interest-bearing balances
$32,740Securities
$11,050Federal funds sold & reverse repurchase agreements
$95,418Net loans & leases
$1,757Loan loss allowance
$0Trading account assets
$6,135Bank premises and fixed assets
$452Other real estate owned
$0Goodwill and other intangibles
$182,157Life insurance assets
$2,175All other assets
$166,046Total liabilities and capital
$160,667Total liabilities
$99,487Total deposits
$160,667Interest-bearing deposits
$78Deposits held in domestic offices
4714.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$501Trading liabilities
$0Other borrowed funds
$164Subordinated debt
$16,111All other liabilities
$16,111Total equity capital
$16,111Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$6,000Surplus
$9,111Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,070Income earned, not collected on loans
$0Earning assets
$758Long-term assets (5+ years)
$159,062Average Assets, year-to-date
$44,663Average Assets, quarterly
$173,572Volatile liabilities
$177,759Insider loans
$107,445FHLB advances
$177,000Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$16,058Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,441Restructured Loans and leases
$1,002Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,860Total interest income
$358Total interest expense
$8,502Net interest income
$535Provision for loan and lease losses
$1,941Total noninterest income
$0Fiduciary activities
$1,057Service charges on deposit accounts
$0Trading account gains & fees
$884Additional noninterest income
$8,011Total noninterest expense
$4,482Salaries and employee benefits
$1,002Premises and equipment expense
$2,527Additional noninterest expense
$1,897Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,897Income before extraordinary items
$0Extraordinary gains - net
$1,897Net income attributable to bank
$0Net charge-offs
$1,897Cash dividends
$345Sale, conversion, retirement of capital stock, net
$924Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.80%Yield on earning assets
0.23%Cost of funding earning assets
5.56%Net interest margin
1.27%Noninterest income to earning assets
5.24%Noninterest expense to earning assets
1.09%Net operating income to assets
1.09%Return on assets (ROA)
1.09%Pretax return on assets
12.15%Return on equity (ROE)
6.23%Retained earnings to average equity (YTD only)
0.35%Net charge-offs to loans
155.07%Credit loss provision to net charge-offs
7.05%Efficiency ratio
76,712Assets per employee
2.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
48.71%Loss allowance to loans
1.81%Loss allowance to noncurrent loans
84.88%Noncurrent assets plus other real estate owned to assets
1.38%Noncurrent loans to loans
2.13%Net loans and leases to deposits
59.39%Net loans and leases to core deposits
59.90%Equity capital to assets
8.84%Core capital (leverage) ratio
9.07%Tier 1 risk-based capital ratio
14.95%Total risk-based capital ratio
Memoranda
$16Average assets
$173,572Average earning assets
$15,614Average equity
$152,786Average loans

List of branches

7 New Mexico Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1493	The James Polk Stone Community Bank	109 East Second Street, Portales, NM 88130	July 30, 1906	Full Service Brick and Mortar
2	192171	South Branch	520 West 18th Street, Portales, NM 88130	January 12, 1977	Limited Service Facility
3	357306	The Clovis National Bank	901 Colonial Pkwy, Clovis, NM 88101	June 15, 2000	Full Service Brick and Mortar
4	419452	The Roswell National Bank Branch	1901 North Main, Roswell, NM 88203	January 02, 2003	Full Service Brick and Mortar
5	431976	South Branch	1801 South Main, Roswell, NM 88201	September 01, 2004	Full Service Brick and Mortar
6	463542	The Hagerman National Bank New Mexic	7681 Wichita Road, Hagerman, NM 88232	April 16, 2007	Full Service Brick and Mortar
7	470215	Joe Harvey Boulevard Branch	1101 Joe Harvey Blvd., Hobbs, NM 88240	December 10, 2007	Full Service Brick and Mortar

The James Polk Stone Community Bank in Portales, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches

The James Polk Stone Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The James Polk Stone Community Bank in Portales, New Mexico (NM)Overview, Financial Summary, Detailed Financial Reports, Branches

The James Polk Stone Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The James Polk Stone Community Bank in Portales, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches