Western Bank in city_name, state_name - Detailed Financial Reports, Location

Western Bank in Alamogordo, New Mexico (NM)
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Western Bank routing number info

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Western Bank - Overview

General
FDIC Certificate #: 22525
Status: Active
Federal Reserve ID: 156952
Bank Holding Company (Regulatory Top Holder): Western Bancshares Of Alamogordo, Inc. (RSSDID: 1137631, Location: Carlsbad, NM)
Date Established: September 19, 1977
WWW: http://www.wbalamo.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 9361
FDIC's unique #: 15710
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: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: September 19, 1977
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: 500 Ninth Street, Alamogordo, NM 88310
County: Otero
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
Core Based Statistical Area (CBSA): Alamogordo, NM (#10460)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $73.4 mil
Equity capital: $9.5 mil
Deposits held in domestic offices: $52.0 mil
Return on assets (ROA): 0.59% ($0.4 mil)
Quarterly return on assets: 0.69% ($0.5 mil)
Return on Equity (ROE): 4.56% ($0.5 mil)
Quarterly return on equity: 5.32% ($0.5 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.91% ($668.2 mil)
Quarterly Pretax return on assets: 1.14% ($837.1 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
31Total employees (full-time equivalent)
$73,432Total assets
$14,127Cash and due from depository institutions
$9,900Interest-bearing balances
$17,456Securities
$0Federal funds sold & reverse repurchase agreements
$36,278Net loans & leases
$436Loan loss allowance
$0Trading account assets
$1,684Bank premises and fixed assets
$2,298Other real estate owned
$0Goodwill and other intangibles
$73,432Life insurance assets
$1,589All other assets
$63,921Total liabilities and capital
$52,029Total liabilities
$43,929Total deposits
$52,029Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$11,678Trading liabilities
$0Other borrowed funds
$214Subordinated debt
$9,511All other liabilities
$9,511Total equity capital
$9,511Total bank equity capital
$0Perpetual preferred stock
$634Common stock
$3,291Surplus
$5,586Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$29Income earned, not collected on loans
$0Earning assets
$463Long-term assets (5+ years)
$63,634Average Assets, year-to-date
$30,539Average Assets, quarterly
$72,394Volatile liabilities
$72,923Insider loans
$32,004FHLB advances
$72,677Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,497Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,523Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,791Total interest income
$601Total interest expense
$3,190Net interest income
$0Provision for loan and lease losses
$459Total noninterest income
$0Fiduciary activities
$330Service charges on deposit accounts
$0Trading account gains & fees
$129Additional noninterest income
$2,993Total noninterest expense
$1,151Salaries and employee benefits
$316Premises and equipment expense
$1,526Additional noninterest expense
$656Pre-tax net operating income
$0Securities gains (losses)
$228Applicable income taxes
$428Income before extraordinary items
$0Extraordinary gains - net
$428Net income attributable to bank
$0Net charge-offs
$428Cash dividends
$136Sale, conversion, retirement of capital stock, net
$201Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.89%Yield on earning assets
0.93%Cost of funding earning assets
4.96%Net interest margin
0.71%Noninterest income to earning assets
4.65%Noninterest expense to earning assets
0.59%Net operating income to assets
0.59%Return on assets (ROA)
0.91%Pretax return on assets
4.56%Return on equity (ROE)
2.42%Retained earnings to average equity (YTD only)
0.36%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
4.82%Efficiency ratio
82,022Assets per employee
2.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
46.96%Loss allowance to loans
1.19%Loss allowance to noncurrent loans
1503.45%Noncurrent assets plus other real estate owned to assets
3.17%Noncurrent loans to loans
0.08%Net loans and leases to deposits
69.73%Net loans and leases to core deposits
78.64%Equity capital to assets
12.95%Core capital (leverage) ratio
13.07%Tier 1 risk-based capital ratio
29.67%Total risk-based capital ratio
Memoranda
$31Average assets
$72,394Average earning assets
$9,380Average equity
$64,325Average loans

List of branches

3 New Mexico Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	15710	Western Bank	500 Ninth Street, Alamogordo, NM 88310	September 19, 1977	Full Service Brick and Mortar
1	254836	Tularosa Branch	201 Saint Francis Drive, Tularosa, NM 88352	November 21, 1997	Full Service Brick and Mortar
2	254837	Cloudcroft Branch	505 Burro Ave Suite 106, Cloudcroft, NM 88317	May 27, 1998	Full Service Brick and Mortar

Western Bank in Alamogordo, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches

Western 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:

Western Bank in Alamogordo, New Mexico (NM)Overview, Financial Summary, Detailed Financial Reports, Branches

Western 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:

Western Bank in Alamogordo, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches