American Heritage Bank in Clovis, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches

American Heritage Bank - Overview

  • General
  • FDIC Certificate #: 57025
    Status: Active
    Federal Reserve ID: 2960555
    Date Established: December 05, 2000
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 301127
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: December 05, 2000
    Last Structure Change Effective Date: Febuary 02, 2012
    Last Structure Change Process Date: Febuary 02, 2012
    Last Data Update: Febuary 02, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 3300 N Prince St, Clovis, NM 88101
    County: Curry
    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
    Combined Statistical Area (CSA): Clovis-Portales, NM (#188)
    Core Based Statistical Area (CBSA): Clovis, NM (#17580)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $71.6 mil
    Equity capital: $8.1 mil
    Deposits held in domestic offices: $61.0 mil
    Return on assets (ROA): 0.82% ($0.6 mil)
    Quarterly return on assets: 0.80% ($0.6 mil)
    Return on Equity (ROE): 7.44% ($0.6 mil)
    Quarterly return on equity: 7.10% ($0.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.35% ($966.6 mil)
    Quarterly Pretax return on assets: 1.43% ($1,023.9 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
  • 19Total employees (full-time equivalent)
  • $71,600Total assets
  • $6,818Cash and due from depository institutions
  • $3,395Interest-bearing balances
  • $16,816Securities
  • $2,000Federal funds sold & reverse repurchase agreements
  • $41,876Net loans & leases
  • $657Loan loss allowance
  • $0Trading account assets
  • $2,820Bank premises and fixed assets
  • $7Other real estate owned
  • $0Goodwill and other intangibles
  • $71,600Life insurance assets
  • $1,263All other assets
  • $63,538Total liabilities and capital
  • $61,050Total liabilities
  • $46,266Total deposits
  • $61,050Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,230Trading liabilities
  • $0Other borrowed funds
  • $258Subordinated debt
  • $8,062All other liabilities
  • $8,062Total equity capital
  • $8,062Total bank equity capital
  • $0Perpetual preferred stock
  • $4,593Common stock
  • $2,584Surplus
  • $885Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,642Income earned, not collected on loans
  • $0Earning assets
  • $553Long-term assets (5+ years)
  • $64,087Average Assets, year-to-date
  • $17,207Average Assets, quarterly
  • $70,536Volatile liabilities
  • $70,904Insider loans
  • $51,776FHLB advances
  • $71,960Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,971Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,928Restructured Loans and leases
  • $1,432Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,091Total interest income
  • $513Total interest expense
  • $2,578Net interest income
  • $60Provision for loan and lease losses
  • $375Total noninterest income
  • $0Fiduciary activities
  • $273Service charges on deposit accounts
  • $0Trading account gains & fees
  • $102Additional noninterest income
  • $1,984Total noninterest expense
  • $991Salaries and employee benefits
  • $218Premises and equipment expense
  • $775Additional noninterest expense
  • $909Pre-tax net operating income
  • $42Securities gains (losses)
  • $375Applicable income taxes
  • $576Income before extraordinary items
  • $0Extraordinary gains - net
  • $576Net income attributable to bank
  • $0Net charge-offs
  • $576Cash dividends
  • -$5Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.83%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.03%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 3.10%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 7.44%Return on equity (ROE)
  • 7.44%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -1200.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 67,186Assets per employee
  • 3.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 40.01%Noncurrent assets plus other real estate owned to assets
  • 2.30%Noncurrent loans to loans
  • 3.86%Net loans and leases to deposits
  • 68.59%Net loans and leases to core deposits
  • 74.35%Equity capital to assets
  • 11.26%Core capital (leverage) ratio
  • 11.08%Tier 1 risk-based capital ratio
  • 15.40%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $70,536Average earning assets
  • $7,738Average equity
  • $64,036Average loans

List of branches

  • 2 New Mexico Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0301127American Heritage Bank3300 N Prince St, Clovis, NM 88101December 05, 2000Full Service Brick and Mortar
    1419874Melrose Branch400 East Denby Street, Melrose, NM 88124June 26, 2001Full Service Brick and Mortar

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