Union Savings Bank in Albuquerque, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Union Savings Bank in Albuquerque, New Mexico (NM)
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Union Savings Bank - Overview

  • General
  • FDIC Certificate #: 32329
    Status: Active
    Federal Reserve ID: 219576
    Date Established: May 31, 1985
    WWW: http://www.usbnm.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 8150
    FDIC's unique #: 45163
    Numeric code: 35
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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 31, 1985
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1500 Mercantile Ave, Ne, Albuquerque, NM 87107
    County: Bernalillo
    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 Primary Regulatory Agency
  • Financial Summary
  • Total assets: $66.6 mil
    Equity capital: $7.8 mil
    Deposits held in domestic offices: $57.0 mil
    Return on assets (ROA): 0.73% ($0.5 mil)
    Quarterly return on assets: 0.81% ($0.5 mil)
    Return on Equity (ROE): 6.86% ($0.5 mil)
    Quarterly return on equity: 7.42% ($0.6 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.22% ($812.1 mil)
    Quarterly Pretax return on assets: 1.36% ($905.3 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
  • 13Total employees (full-time equivalent)
  • $66,568Total assets
  • $8,269Cash and due from depository institutions
  • $8,051Interest-bearing balances
  • $20,528Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $34,431Net loans & leases
  • $687Loan loss allowance
  • $0Trading account assets
  • $751Bank premises and fixed assets
  • $1,347Other real estate owned
  • $0Goodwill and other intangibles
  • $66,568Life insurance assets
  • $1,242All other assets
  • $58,743Total liabilities and capital
  • $57,012Total liabilities
  • $48,194Total deposits
  • $57,012Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $892Trading liabilities
  • $0Other borrowed funds
  • $839Subordinated debt
  • $7,825All other liabilities
  • $7,825Total equity capital
  • $7,825Total bank equity capital
  • $0Perpetual preferred stock
  • $207Common stock
  • $3,773Surplus
  • $3,845Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $78Income earned, not collected on loans
  • $0Earning assets
  • $207Long-term assets (5+ years)
  • $63,010Average Assets, year-to-date
  • $23,260Average Assets, quarterly
  • $70,115Volatile liabilities
  • $70,833Insider loans
  • $38,088FHLB advances
  • $69,395Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,384Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,223Restructured Loans and leases
  • $25Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,133Total interest income
  • $642Total interest expense
  • $2,491Net interest income
  • -$75Provision for loan and lease losses
  • $158Total noninterest income
  • $0Fiduciary activities
  • $49Service charges on deposit accounts
  • $0Trading account gains & fees
  • $109Additional noninterest income
  • $1,868Total noninterest expense
  • $894Salaries and employee benefits
  • $185Premises and equipment expense
  • $789Additional noninterest expense
  • $856Pre-tax net operating income
  • $0Securities gains (losses)
  • $343Applicable income taxes
  • $513Income before extraordinary items
  • $0Extraordinary gains - net
  • $513Net income attributable to bank
  • $0Net charge-offs
  • $513Cash dividends
  • $125Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 0.73%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 6.86%Return on equity (ROE)
  • 6.86%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • -60.00%Credit loss provision to net charge-offs
  • 6.25%Efficiency ratio
  • 70,517Assets per employee
  • 5.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.96%Loss allowance to noncurrent loans
  • 880.77%Noncurrent assets plus other real estate owned to assets
  • 2.14%Noncurrent loans to loans
  • 0.22%Net loans and leases to deposits
  • 60.39%Net loans and leases to core deposits
  • 103.36%Equity capital to assets
  • 11.75%Core capital (leverage) ratio
  • 10.64%Tier 1 risk-based capital ratio
  • 19.39%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $70,115Average earning assets
  • $7,473Average equity
  • $66,313Average loans

List of branches

  • 1 New Mexico Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045163Union Savings Bank1500 Mercantile Ave, Ne, Albuquerque, NM 87107May 31, 1985Full Service Brick and Mortar

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