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Overview / Commentary
200 South 2nd Street
Raton, NM 87740

International Bank is headquartered in Raton and is the 14st largest bank in the state of New Mexico. It is also the 2,313st largest bank in the nation. It was established in 1918 and as of December of 2013, it had grown to 78 employees at 6 locations. International Bank has a C+ health rating.

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Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
C-

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 International Bank had $22.66 million in non-current loans and owned real-estate with $38.69 million in equity and loan loss allowances on hand to cover it. This gives International Bank a Texas Ratio of 58.57% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for International Bank experienced no significant changes from 59.32% as of December 31, 2012 to 58.57% as of December 31, 2013, resulting in a positive change of 1.26%.This indicates that the balance sheet and financial strength for International Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
C-

In the past year, International Bank has decreased its total deposits by -$11.7 million, resulting in -4.66% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth International Bank has shown is below average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. International Bank has $278.08 million in assets with $38.69 million in equity, resulting in a capitalization level of 13.91%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #11492
Year Established1918
Employees78
Primary RegulatorFDIC
Assets and Liabilities
Assets$278.08 million
Loans$165.41 million
Deposits$239.15 million
Equity Capital$35.72 million
Loan Loss Allowance$2.97 million
Unbacked Noncurrent Loans$9.44 million
Real Estate Owned$13.22 million
Historic Data - December 2012
Assets$301.83 million
Equity Capital$35.35 million
Loan Loss Allowance$3.62 million
Unbacked Noncurrent Loans$9.44 million
Real Estate Owned$10.76 million
Profit Margin - Quarterly
Net Interest Margin4.66%
Return on Assets0.87%
Return on Equity7.19%
Interest Income$13.39 million
Rates

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Locations


International Bank Locations
Angel Fire Branch#9 North Angel Fire RoadAngel Fire, NM 87710
International Bank200 South 2nd StreetRaton, NM 87740
Southlands Branch24450 East Smoky Hill RoadAurora, CO 80016
North Convent Branch320 North Convent StTrinidad, CO 81082
Springer Branch419 Maxwell AvenueSpringer, NM 87747
Cimarron BranchHighway 64Cimarron, NM 87714