First National Bank
Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.9. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.5) profitability.
Other Rating Factors:
A current level of 9.9 percent of nonperforming loans to core capital combined with 10.0 percent from a year earlier contributes to the Fair asset quality (4.1). Fair liquidity 4.0, driven by a liquidity ratio of 28.6 percent and a “hot money” ratio of 11.7 percent.
Asset Mix:
Securities (43%), comm re (23%), consumer loans (10%), cash (8%), home mtgs (5%), comm loans (3%), other (8%)
States with Branches:
NM
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
First Alamogordo Bancorp of Nevada, Inc.
Investment Rating
--
Address
414 10th Street
Alamogordo, NM 88310
Alamogordo, NM 88310
Phone Number
(575) 437-4880
Year Founded
1956
FDIC Number
Website
Largest Affiliates
No affiliate information available.