Nevada Bank and Trust Company in Caliente, Nevada (NV)



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Nevada Bank and Trust Company routing number info

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Nevada Bank and Trust Company
GeneralFDIC Certificate #: 22669
Status: Active
Federal Reserve ID: 400767
Date Established: June 21, 1978
WWW: http://www.nevadabankandtrust.com
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)39
Total assets$93,799
Cash and due from depository institutions$2,765
Interest-bearing balances$0
Securities$39,671
Federal funds sold & reverse repurchase agreements$11,165
Net loans & leases$36,970
Loan loss allowance $997
Trading account assets$0
Bank premises and fixed assets$604
Other real estate owned$440
Goodwill and other intangibles$0
All other assets$2,184
Life insurance assets$93,799
Total liabilities and capital$83,418
Total liabilities$83,082
Total deposits$56,651
Interest-bearing deposits$83,082
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $336
All other liabilities $10,381
Total equity capital$10,381
Total bank equity capital$10,381
Perpetual preferred stock$0
Common stock$497
Surplus$3,671
Undivided profits $6,213
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $603
Earning assets $0
Long-term assets (5+ years) $300
Average Assets, year-to-date $87,806
Average Assets, quarterly $39,285
Volatile liabilities $90,310
Insider loans $92,310
FHLB advances $41,965
Loans and leases held for sale $92,347
Unused loan commitments $1,558
Tier 1 (core) risk-based capital $1,558
Tier 2 risk-based capital $10,231
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,408
Derivatives$12
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,901
Total interest expense $232
Net interest income $3,669
Provision for loan and lease losses -$241
Total noninterest income $634
Fiduciary activities $0
Service charges on deposit accounts $263
Trading account gains & fees $0
Additional noninterest income $371
Total noninterest expense $3,800
Salaries and employee benefits $2,205
Premises and equipment expense $411
Additional noninterest expense $1,184
Pre-tax net operating income $744
Securities gains (losses) $0
Applicable income taxes $209
Income before extraordinary items $535
Extraordinary gains - net $0
Net income attributable to bank $535
Net charge-offs $0
Cash dividends $535
Sale, conversion, retirement of capital stock, net -$235
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.63%
Cost of funding earning assets 0.28%
Net interest margin 4.36%
Noninterest income to earning assets 0.75%
Noninterest expense to earning assets 4.51%
Net operating income to assets 0.59%
Return on assets (ROA) 0.59%
Pretax return on assets 0.82%
Return on equity (ROE) 5.32%
Retained earnings to average equity (YTD only) 5.32%
Net charge-offs to loans -0.58%
Credit loss provision to net charge-offs 102.55%
Efficiency ratio0.00%
Assets per employee$88,310
Cash dividends to net income (YTD only)2.41%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.63%
Noncurrent assets plus other real estate owned to assets 165.34%
Noncurrent loans to loans 1.11%
Net loans and leases to deposits1.59%
Net loans and leases to core deposits 44.50%
Equity capital to assets 44.50%
Core capital (leverage) ratio 11.07%
Tier 1 risk-based capital ratio 11.08%
Total risk-based capital ratio 24.38%
Memoranda
Average assets$26
Average earning assets$90,310
Average equity $10,051
Average loans $84,169
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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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