My Bank in Belen, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches

My Bank - Overview

  • General
  • FDIC Certificate #: 33616
    Status: Active
    Federal Reserve ID: 1972298
    Bank Holding Company (Regulatory Top Holder): Bethlehem Financial Corporation (RSSDID: 3129117, Location: Belen, NM)
    Date Established: July 01, 1992
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 13171
    FDIC's unique #: 47670
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 01, 1992
    Last Structure Change Effective Date: October 01, 2006
    Last Structure Change Process Date: October 10, 2006
    Last Data Update: October 10, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 19339 Highway 314, Belen, NM 87002
    County: Valencia
    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
    Metropolitan Statistical Area (MSA): Albuquerque, NM (#200)
    Core Based Statistical Area (CBSA): Albuquerque, NM (#10740)
    CBSA Metro Statistical Area: Albuquerque, NM (#10740)
  • History of Changes
  • Change in Location
    Name Change
  • Financial Summary
  • Total assets: $163.0 mil
    Equity capital: $15.6 mil
    Deposits held in domestic offices: $140.2 mil
    Return on assets (ROA): 0.36% ($0.6 mil)
    Quarterly return on assets: -0.46% (-$0.7 mil)
    Return on Equity (ROE): 3.76% ($0.6 mil)
    Quarterly return on equity: -4.80% (-$0.8 mil)
    Net income: $0.6 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: 0.43% ($700.8 mil)
    Quarterly Pretax return on assets: -0.90% (-$1,466.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 56Total employees (full-time equivalent)
  • $162,976Total assets
  • $7,087Cash and due from depository institutions
  • $4,463Interest-bearing balances
  • $57,370Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $86,195Net loans & leases
  • $1,984Loan loss allowance
  • $0Trading account assets
  • $3,469Bank premises and fixed assets
  • $3,173Other real estate owned
  • $0Goodwill and other intangibles
  • $162,976Life insurance assets
  • $5,682All other assets
  • $147,409Total liabilities and capital
  • $140,241Total liabilities
  • $116,326Total deposits
  • $140,241Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 3392.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,379Trading liabilities
  • $0Other borrowed funds
  • $1,397Subordinated debt
  • $15,567All other liabilities
  • $15,567Total equity capital
  • $15,567Total bank equity capital
  • $0Perpetual preferred stock
  • $2,362Common stock
  • $3,389Surplus
  • $9,816Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,138Income earned, not collected on loans
  • $0Earning assets
  • $682Long-term assets (5+ years)
  • $148,028Average Assets, year-to-date
  • $84,890Average Assets, quarterly
  • $162,208Volatile liabilities
  • $162,869Insider loans
  • $98,059FHLB advances
  • $161,582Loans and leases held for sale
  • $2,789Unused loan commitments
  • $2,789Tier 1 (core) risk-based capital
  • $15,055Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,062Restructured Loans and leases
  • $344Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,653Total interest income
  • $1,145Total interest expense
  • $6,508Net interest income
  • $1,231Provision for loan and lease losses
  • $1,276Total noninterest income
  • $0Fiduciary activities
  • $602Service charges on deposit accounts
  • $0Trading account gains & fees
  • $674Additional noninterest income
  • $5,929Total noninterest expense
  • $2,934Salaries and employee benefits
  • $785Premises and equipment expense
  • $2,210Additional noninterest expense
  • $624Pre-tax net operating income
  • $76Securities gains (losses)
  • $118Applicable income taxes
  • $582Income before extraordinary items
  • $0Extraordinary gains - net
  • $582Net income attributable to bank
  • $0Net charge-offs
  • $582Cash dividends
  • $1,057Sale, conversion, retirement of capital stock, net
  • $96Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.17%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 4.40%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 4.01%Noninterest expense to earning assets
  • 0.32%Net operating income to assets
  • 0.36%Return on assets (ROA)
  • 0.43%Pretax return on assets
  • 3.76%Return on equity (ROE)
  • 3.14%Retained earnings to average equity (YTD only)
  • 1.14%Net charge-offs to loans
  • 116.46%Credit loss provision to net charge-offs
  • 1.75%Efficiency ratio
  • 76,169Assets per employee
  • 2.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.49%Loss allowance to loans
  • 2.25%Loss allowance to noncurrent loans
  • 47.95%Noncurrent assets plus other real estate owned to assets
  • 4.49%Noncurrent loans to loans
  • 4.69%Net loans and leases to deposits
  • 61.46%Net loans and leases to core deposits
  • 65.12%Equity capital to assets
  • 9.55%Core capital (leverage) ratio
  • 9.32%Tier 1 risk-based capital ratio
  • 15.35%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $162,208Average earning assets
  • $15,468Average equity
  • $147,899Average loans

List of branches

  • 5 New Mexico Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    047670My Bank19339 Highway 314, Belen, NM 87002July 01, 1992Full Service Brick and Mortar
    12898072199 Main Street2199 Main St, Los Lunas, NM 87031March 11, 1996Full Service Brick and Mortar
    2289808307 West Broadway Street Branch307 West Broadway Street, Mountainair, NM 87036May 18, 1998Full Service Brick and Mortar
    3289809394 Rio Communities Blvd Branch394 Rio Communities Blvd Branch, Belen, NM 87002May 10, 1999Full Service Brick and Mortar
    52898116000 Montgomery Blvd Branch6000 Montgomery Blvd, Albuquerque, NM 87109June 23, 1999Full Service Brick and Mortar

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