United New Mexico Bank, National Association in Las Cruces, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 03, 1994

United New Mexico Bank, National Association in Las Cruces, New Mexico (NM)
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United New Mexico Bank, National Association - Overview

General
FDIC Certificate #: 25897
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Wells Fargo Bank New Mexico, National Association (#2252)
Federal Reserve ID: 722058
Date Established: Febuary 15, 1985
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 3 (Interstate: No)
FDIC's unique #: 32145
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: Febuary 15, 1985
Last Structure Change Effective Date: October 03, 1994
Last Structure Change Process Date: October 19, 1994
Last Data Update: October 19, 1994
Data Source Date: April 05, 2012
Location
Address: 425 North Telshor, Las Cruces, NM 88004
County: Dona Ana
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
Metropolitan Statistical Area (MSA): Las Cruces, NM (#4100)
Core Based Statistical Area (CBSA): Las Cruces, NM (#29740)
CBSA Metro Statistical Area: Las Cruces, NM (#29740)
Financial Summary
Total assets: $89.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$51Total assets
$81,419Cash and due from depository institutions
$5,125Interest-bearing balances
$105Securities
$11,213Federal funds sold & reverse repurchase agreements
$3,400Net loans & leases
$58,750Loan loss allowance
$1,056Trading account assets
$0Bank premises and fixed assets
$1,864Other real estate owned
$0Goodwill and other intangibles
$1,067Life insurance assets
$0All other assets
$0Total liabilities and capital
$81,419Total liabilities
$75,977Total deposits
$75,489Interest-bearing deposits
$63,567Deposits held in domestic offices
75489.00%% insured (estimated)
$84Federal funds purchased & repurchase agreements
$15Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$473Total equity capital
$473Total bank equity capital
$5,442Perpetual preferred stock
$0Common stock
$750Surplus
$1,100Undivided profits
Memoranda
$3,592Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$408Income earned, not collected on loans
$412Earning assets
$73,468Long-term assets (5+ years)
$10,319Average Assets, year-to-date
$74,115Average Assets, quarterly
$79,511Volatile liabilities
$21,141Insider loans
$836FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$5,661Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,442Total risk weighted assets
$54,250Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$6,390Total interest expense
$2,155Net interest income
$4,235Provision for loan and lease losses
$716Total noninterest income
$1,222Fiduciary activities
$0Service charges on deposit accounts
$838Trading account gains & fees
$0Additional noninterest income
$384Total noninterest expense
$3,279Salaries and employee benefits
$1,461Premises and equipment expense
$543Additional noninterest expense
$1,275Pre-tax net operating income
$1,462Securities gains (losses)
$0Applicable income taxes
$462Income before extraordinary items
$1,000Extraordinary gains - net
-$18Net income attributable to bank
$982Net charge-offs
$239Cash dividends
$6Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.41%Cost of funding earning assets
3.17%Net interest margin
6.24%Noninterest income to earning assets
1.80%Noninterest expense to earning assets
4.83%Net operating income to assets
1.35%Return on assets (ROA)
1.32%Pretax return on assets
1.95%Return on equity (ROE)
19.67%Retained earnings to average equity (YTD only)
19.55%Net charge-offs to loans
0.44%Credit loss provision to net charge-offs
299.58%Efficiency ratio
60,088Assets per employee
1.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.61%Loss allowance to loans
1.77%Loss allowance to noncurrent loans
258.82%Noncurrent assets plus other real estate owned to assets
0.50%Noncurrent loans to loans
0.68%Net loans and leases to deposits
77.83%Net loans and leases to core deposits
108.07%Equity capital to assets
6.68%Core capital (leverage) ratio
6.90%Tier 1 risk-based capital ratio
10.03%Total risk-based capital ratio
Memoranda
$11Average assets
$74,115Average earning assets
$4,992Average equity
$67,886Average loans

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