FDIC Certificate #: 22086 Status: Active Federal Reserve ID: 430054 Bank Holding Company (Regulatory Top Holder): Main Banc, Inc. (RSSDID: 3365296, Location: Albuquerque, NM) Date Established: August 05, 1975 WWW:http://www.mainbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 15336 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: Commercial Lending Specialization Date of Deposit Insurance: August 05, 1975 Last Structure Change Effective Date: October 01, 2007 Last Structure Change Process Date: Febuary 12, 2008 Last Data Update: Febuary 12, 2008 Data Source Date: April 05, 2012
Location
Address: 2424 Louisiana N.E., American Financial Center, Building 1, Albuquerque, NM 87110 County: Bernalillo 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): Albuquerque, NM (#200) Core Based Statistical Area (CBSA): Albuquerque, NM (#10740) CBSA Metro Statistical Area: Albuquerque, NM (#10740)
History of Changes
Change in Location
Financial Summary
Total assets: $72.4 mil Equity capital: $8.2 mil Deposits held in domestic offices: $63.8 mil Return on assets (ROA): 1.40% ($1.0 mil) Quarterly return on assets: 1.73% ($1.2 mil) Return on Equity (ROE): 13.37% ($1.1 mil) Quarterly return on equity: 15.31% ($1.2 mil) Net income: $1.0 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.40% ($1,013.4 mil) Quarterly Pretax return on assets: 1.73% ($1,252.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
23Total employees (full-time equivalent)
$72,386Total assets
$3,917Cash and due from depository institutions
$3,419Interest-bearing balances
$16,696Securities
$791Federal funds sold & reverse repurchase agreements
$49,403Net loans & leases
$524Loan loss allowance
$0Trading account assets
$381Bank premises and fixed assets
$503Other real estate owned
$0Goodwill and other intangibles
$72,386Life insurance assets
$695All other assets
$64,157Total liabilities and capital
$63,821Total liabilities
$57,501Total deposits
$63,821Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$336Subordinated debt
$8,229All other liabilities
$8,229Total equity capital
$8,229Total bank equity capital
$0Perpetual preferred stock
$10Common stock
$6,014Surplus
$2,205Undivided profits
Memoranda
$0Noncurrent loans and leases
$4,107Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$290Long-term assets (5+ years)
$70,309Average Assets, year-to-date
$11,034Average Assets, quarterly
$73,878Volatile liabilities
$72,085Insider loans
$43,320FHLB advances
$73,665Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,777Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,089Restructured Loans and leases
$1,046Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,694Total interest income
$585Total interest expense
$3,109Net interest income
$23Provision for loan and lease losses
$1,640Total noninterest income
$0Fiduciary activities
$96Service charges on deposit accounts
$0Trading account gains & fees
$1,544Additional noninterest income
$3,689Total noninterest expense
$2,051Salaries and employee benefits
$338Premises and equipment expense
$1,300Additional noninterest expense
$1,037Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,037Income before extraordinary items
$0Extraordinary gains - net
$1,037Net income attributable to bank
$0Net charge-offs
$1,037Cash dividends
$52Sale, conversion, retirement of capital stock, net
$416Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.21%Yield on earning assets
0.82%Cost of funding earning assets
4.38%Net interest margin
2.31%Noninterest income to earning assets
5.20%Noninterest expense to earning assets
1.40%Net operating income to assets
1.40%Return on assets (ROA)
1.40%Pretax return on assets
13.37%Return on equity (ROE)
8.01%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
44.23%Credit loss provision to net charge-offs
20.38%Efficiency ratio
77,680Assets per employee
3.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
40.12%Loss allowance to loans
1.05%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.69%Noncurrent loans to loans
0.00%Net loans and leases to deposits
77.41%Net loans and leases to core deposits
83.07%Equity capital to assets
11.37%Core capital (leverage) ratio
10.56%Tier 1 risk-based capital ratio
17.95%Total risk-based capital ratio
Memoranda
$19Average assets
$73,878Average earning assets
$7,755Average equity
$70,955Average loans
List of branches
1 New Mexico Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
15336
Main Bank
2424 Louisiana N.E., American Financial Center, Building 1, Albuquerque, NM 87110
August 05, 1975
Full Service Brick and Mortar
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