New Mexico Bank & Trust in Albuquerque, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • New Mexico Bank & Trust in Albuquerque, New Mexico (NM)
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New Mexico Bank & Trust - Overview

  • General
  • FDIC Certificate #: 34726
    Status: Active
    Federal Reserve ID: 2649122
    Bank Holding Company (Regulatory Top Holder): Heartland Financial Usa, Inc. (RSSDID: 1206546, Location: Dubuque, IA)
    Date Established: May 04, 1998
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 16 (Domestic: 16, Interstate: No)
    FDIC's unique #: 61410
    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: Commercial Lending Specialization
    Date of Deposit Insurance: May 04, 1998
    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: 320 Gold Street, S.W., Albuquerque, NM 87102
    County: Bernalillo
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Kansas City
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $974.9 mil
    Equity capital: $91.8 mil
    Deposits held in domestic offices: $690.3 mil
    Return on assets (ROA): 0.78% ($7.6 mil)
    Quarterly return on assets: 0.93% ($9.1 mil)
    Return on Equity (ROE): 8.20% ($7.5 mil)
    Quarterly return on equity: 9.62% ($8.9 mil)
    Net income: $7.2 mil
    Quarterly Net income: $2.2 mil
    Pretax return on assets: 1.11% ($10,821.9 mil)
    Quarterly Pretax return on assets: 1.32% ($12,869.2 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
  • 185Total employees (full-time equivalent)
  • $974,943Total assets
  • $21,570Cash and due from depository institutions
  • $188Interest-bearing balances
  • $326,016Securities
  • $56,000Federal funds sold & reverse repurchase agreements
  • $507,430Net loans & leases
  • $6,632Loan loss allowance
  • $0Trading account assets
  • $24,088Bank premises and fixed assets
  • $7,214Other real estate owned
  • $10,085Goodwill and other intangibles
  • $974,943Life insurance assets
  • $22,540All other assets
  • $883,121Total liabilities and capital
  • $690,293Total liabilities
  • $466,816Total deposits
  • $690,293Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 158717.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $30,037Trading liabilities
  • $0Other borrowed funds
  • $4,074Subordinated debt
  • $91,822All other liabilities
  • $91,822Total equity capital
  • $91,822Total bank equity capital
  • $0Perpetual preferred stock
  • $27Common stock
  • $34,691Surplus
  • $57,104Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,247Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $15,161Income earned, not collected on loans
  • $0Earning assets
  • $4,023Long-term assets (5+ years)
  • $889,634Average Assets, year-to-date
  • $232,643Average Assets, quarterly
  • $916,656Volatile liabilities
  • $948,458Insider loans
  • $632,002FHLB advances
  • $927,400Loans and leases held for sale
  • $12,578Unused loan commitments
  • $1,224Tier 1 (core) risk-based capital
  • $78,345Tier 2 risk-based capital
  • $11,354Total risk weighted assets
  • $0Total unused commitments
  • $137,475Restructured Loans and leases
  • $14,908Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $39,958Total interest income
  • $6,308Total interest expense
  • $33,650Net interest income
  • $9,585Provision for loan and lease losses
  • $7,740Total noninterest income
  • $820Fiduciary activities
  • $2,383Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,537Additional noninterest income
  • $24,638Total noninterest expense
  • $10,730Salaries and employee benefits
  • $2,651Premises and equipment expense
  • $11,257Additional noninterest expense
  • $7,167Pre-tax net operating income
  • $2,974Securities gains (losses)
  • $2,972Applicable income taxes
  • $7,169Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,169Net income attributable to bank
  • $0Net charge-offs
  • $7,169Cash dividends
  • $10,656Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 4.02%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 2.94%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 8.20%Return on equity (ROE)
  • 6.49%Retained earnings to average equity (YTD only)
  • 2.08%Net charge-offs to loans
  • 89.95%Credit loss provision to net charge-offs
  • 1.57%Efficiency ratio
  • 59,526Assets per employee
  • 5.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.92%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 43.74%Noncurrent assets plus other real estate owned to assets
  • 2.30%Noncurrent loans to loans
  • 2.95%Net loans and leases to deposits
  • 73.51%Net loans and leases to core deposits
  • 83.52%Equity capital to assets
  • 9.42%Core capital (leverage) ratio
  • 8.45%Tier 1 risk-based capital ratio
  • 12.40%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $916,656Average earning assets
  • $87,389Average equity
  • $837,132Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $87,553Managed Assets
  • 1Number of Accounts
  • $87,164Personal trust and agency accounts
  • $64,620Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $5,576Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $16,968Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 137Number of Accounts
  • $0Personal trust and agency accounts
  • $5,576Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $389Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $389Fiduciary accounts held in foreign offices

List of branches

  • 16 New Mexico Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061410New Mexico Bank & Trust320 Gold Street, S.W., Albuquerque, NM 87102May 04, 1998Full Service Brick and Mortar
    11497Clovis Branch709 Pile Street, Clovis, NM 88101November 27, 1906Full Service Brick and Mortar
    2192198Melrose Branch430 Main Street, Melrose, NM 88124June 29, 1964Full Service Brick and Mortar
    3192199Hilltop Plaza Branch2200 North Main, Clovis, NM 88101August 08, 1966Full Service Brick and Mortar
    4192200Ross Street Branch2009 Ross Street, Clovis, NM 88101April 01, 1986Full Service Brick and Mortar
    5290793Louisiana Branch2300 Louisiana Boulevard Ne, Albuquerque, NM 87110June 28, 1999Full Service Brick and Mortar
    6290794Jefferson Branch7021 Jefferson Ne, Albuquerque, NM 87109May 10, 1999Full Service Brick and Mortar
    7357307Rio Rancho Branch4001 Southern Blvd. S.E., Rio Rancho, NM 87124September 27, 1999Full Service Brick and Mortar
    8362598Riverside Plaza Branch6201 Riverside Plaza Lane Nw,, Albuquerque, NM 87120November 13, 2001Full Service Brick and Mortar
    9365663Portales Branch1612 East Spruce Street, Portales, NM 88130September 30, 2002Full Service Brick and Mortar
    11419346St. Michael's Branch1592 St. Michael's Drive, Santa Fe, NM 87505June 16, 2003Full Service Brick and Mortar
    12445230Sierra Vista Branch9500 Montgomery Boulevard Ne, Albuquerque, NM 87111October 03, 2005Full Service Brick and Mortar
    13446832Los Lunas Branch1810 Main Street Nw, Los Lunas, NM 87031January 12, 2006Full Service Brick and Mortar
    14450437Rio Rancho 27830 Enchanted Hills Blvd, Rio Rancho, NM 87124March 13, 2006Full Service Brick and Mortar
    154628011549 Paseo De Peralta1549 Paseo De Peralta, Santa Fe, NM 87501April 23, 2007Full Service Brick and Mortar
    164815024th And Candelaria3701 4th Street, Nw, Albuquerque, NM 87107October 17, 2008Full Service Brick and Mortar

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