Farmers & Stockmens Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Farmers & Stockmens Bank was established July 6, 1920 to serve the banking needs of Union County and the surrounding area. In its origination the bank was owned and operated by local investors who saw the need for well managed, honest banking in the Union County area.

Farmers & Stockmens Bank is owned by Central Bancorp, Inc. Farmers & Stockmens Bank continues to be managed by local employees and directed by local businessmen who continue to maintain business and family ties to the community, and its Central Bancorp ties offers clients the stability they deserve in a bank.

Farmers and Stockmens Bank
22 Maple Street
PO Box 488
Clayton, New Mexico 88415
Phone: (575) 374-8301
Fax: (575) 374-8309

Des Moines Branch
P.O. Box 68
Des Moines, NM 88418
Phone: (575) 278-2861
Fax: (575) 278-2811