Nevada Bank and Trust Company in Caliente, Nevada (NV)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Nevada Bank and Trust Company in Caliente, Nevada (NV)
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Nevada Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 22669
    Status: Active
    Federal Reserve ID: 400767
    Date Established: June 21, 1978
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 15821
    Numeric code: 21
    Regulator: FDIC
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: June 21, 1978
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 210 Front Street, Caliente, NV 89008
    County: Lincoln
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Phoenix
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $93.8 mil
    Equity capital: $10.4 mil
    Deposits held in domestic offices: $83.1 mil
    Return on assets (ROA): 0.59% ($0.6 mil)
    Quarterly return on assets: 1.41% ($1.3 mil)
    Return on Equity (ROE): 5.32% ($0.5 mil)
    Quarterly return on equity: 12.65% ($1.3 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.82% ($769.2 mil)
    Quarterly Pretax return on assets: 2.01% ($1,885.4 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
  • 39Total employees (full-time equivalent)
  • $93,799Total assets
  • $2,765Cash and due from depository institutions
  • $0Interest-bearing balances
  • $39,671Securities
  • $11,165Federal funds sold & reverse repurchase agreements
  • $36,970Net loans & leases
  • $997Loan loss allowance
  • $0Trading account assets
  • $604Bank premises and fixed assets
  • $440Other real estate owned
  • $0Goodwill and other intangibles
  • $93,799Life insurance assets
  • $2,184All other assets
  • $83,418Total liabilities and capital
  • $83,082Total liabilities
  • $56,651Total deposits
  • $83,082Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $336Subordinated debt
  • $10,381All other liabilities
  • $10,381Total equity capital
  • $10,381Total bank equity capital
  • $0Perpetual preferred stock
  • $497Common stock
  • $3,671Surplus
  • $6,213Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $603Income earned, not collected on loans
  • $0Earning assets
  • $300Long-term assets (5+ years)
  • $87,806Average Assets, year-to-date
  • $39,285Average Assets, quarterly
  • $90,310Volatile liabilities
  • $92,310Insider loans
  • $41,965FHLB advances
  • $92,347Loans and leases held for sale
  • $1,558Unused loan commitments
  • $1,558Tier 1 (core) risk-based capital
  • $10,231Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,408Restructured Loans and leases
  • $12Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,901Total interest income
  • $232Total interest expense
  • $3,669Net interest income
  • -$241Provision for loan and lease losses
  • $634Total noninterest income
  • $0Fiduciary activities
  • $263Service charges on deposit accounts
  • $0Trading account gains & fees
  • $371Additional noninterest income
  • $3,800Total noninterest expense
  • $2,205Salaries and employee benefits
  • $411Premises and equipment expense
  • $1,184Additional noninterest expense
  • $744Pre-tax net operating income
  • $0Securities gains (losses)
  • $209Applicable income taxes
  • $535Income before extraordinary items
  • $0Extraordinary gains - net
  • $535Net income attributable to bank
  • $0Net charge-offs
  • $535Cash dividends
  • -$235Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.63%Yield on earning assets
  • 0.28%Cost of funding earning assets
  • 4.36%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 4.51%Noninterest expense to earning assets
  • 0.59%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 5.32%Return on equity (ROE)
  • 5.32%Retained earnings to average equity (YTD only)
  • -0.58%Net charge-offs to loans
  • 102.55%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 88,310Assets per employee
  • 2.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.63%Loss allowance to noncurrent loans
  • 165.34%Noncurrent assets plus other real estate owned to assets
  • 1.11%Noncurrent loans to loans
  • 1.59%Net loans and leases to deposits
  • 44.50%Net loans and leases to core deposits
  • 44.50%Equity capital to assets
  • 11.07%Core capital (leverage) ratio
  • 11.08%Tier 1 risk-based capital ratio
  • 24.38%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $90,310Average earning assets
  • $10,051Average equity
  • $84,169Average loans

List of branches

  • 4 Nevada Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015821Nevada Bank And Trust Company210 Front Street, Caliente, NV 89008June 21, 1978Full Service Brick and Mortar
    2255107Ely Branch777 Avenue F, Ely, NV 89301March 10, 1981Full Service Brick and Mortar
    5255110Elko Branch852 Idaho Street, Elko, NV 89801March 01, 1993Full Service Brick and Mortar
    9480047Mesquite Branch349 Falcon Ridge Parkway 400/104, Mesquite, NV 89027August 01, 2007Full Service Brick and Mortar

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