First National Bank
Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 26.4 percent and a “hot money” ratio of 13.2 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Weak (2.2) profitability.
Asset Mix:
Securities (41%), comm re (26%), consumer loans (9%), cash (7%), 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
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