American Heritage Bank in Clovis, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • American Heritage Bank in Clovis, New Mexico (NM)
  • Show street view No street view available for this location
American Heritage Bank routing number info

American Heritage Bank - Overview

  • General
  • FDIC Certificate #: 57025
    Status: Active
    Federal Reserve ID: 2960555
    Date Established: December 05, 2000
    WWW: http://www.ahbnm.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 301127
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: December 05, 2000
    Last Structure Change Effective Date: Febuary 02, 2012
    Last Structure Change Process Date: Febuary 02, 2012
    Last Data Update: Febuary 02, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 3300 N Prince St, Clovis, NM 88101
    County: Curry
    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
    Combined Statistical Area (CSA): Clovis-Portales, NM (#188)
    Core Based Statistical Area (CBSA): Clovis, NM (#17580)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $71.6 mil
    Equity capital: $8.1 mil
    Deposits held in domestic offices: $61.0 mil
    Return on assets (ROA): 0.82% ($0.6 mil)
    Quarterly return on assets: 0.80% ($0.6 mil)
    Return on Equity (ROE): 7.44% ($0.6 mil)
    Quarterly return on equity: 7.10% ($0.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.35% ($966.6 mil)
    Quarterly Pretax return on assets: 1.43% ($1,023.9 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
  • 19Total employees (full-time equivalent)
  • $71,600Total assets
  • $6,818Cash and due from depository institutions
  • $3,395Interest-bearing balances
  • $16,816Securities
  • $2,000Federal funds sold & reverse repurchase agreements
  • $41,876Net loans & leases
  • $657Loan loss allowance
  • $0Trading account assets
  • $2,820Bank premises and fixed assets
  • $7Other real estate owned
  • $0Goodwill and other intangibles
  • $71,600Life insurance assets
  • $1,263All other assets
  • $63,538Total liabilities and capital
  • $61,050Total liabilities
  • $46,266Total deposits
  • $61,050Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,230Trading liabilities
  • $0Other borrowed funds
  • $258Subordinated debt
  • $8,062All other liabilities
  • $8,062Total equity capital
  • $8,062Total bank equity capital
  • $0Perpetual preferred stock
  • $4,593Common stock
  • $2,584Surplus
  • $885Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,642Income earned, not collected on loans
  • $0Earning assets
  • $553Long-term assets (5+ years)
  • $64,087Average Assets, year-to-date
  • $17,207Average Assets, quarterly
  • $70,536Volatile liabilities
  • $70,904Insider loans
  • $51,776FHLB advances
  • $71,960Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,971Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,928Restructured Loans and leases
  • $1,432Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,091Total interest income
  • $513Total interest expense
  • $2,578Net interest income
  • $60Provision for loan and lease losses
  • $375Total noninterest income
  • $0Fiduciary activities
  • $273Service charges on deposit accounts
  • $0Trading account gains & fees
  • $102Additional noninterest income
  • $1,984Total noninterest expense
  • $991Salaries and employee benefits
  • $218Premises and equipment expense
  • $775Additional noninterest expense
  • $909Pre-tax net operating income
  • $42Securities gains (losses)
  • $375Applicable income taxes
  • $576Income before extraordinary items
  • $0Extraordinary gains - net
  • $576Net income attributable to bank
  • $0Net charge-offs
  • $576Cash dividends
  • -$5Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.83%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.03%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 3.10%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 7.44%Return on equity (ROE)
  • 7.44%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -1200.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 67,186Assets per employee
  • 3.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 40.01%Noncurrent assets plus other real estate owned to assets
  • 2.30%Noncurrent loans to loans
  • 3.86%Net loans and leases to deposits
  • 68.59%Net loans and leases to core deposits
  • 74.35%Equity capital to assets
  • 11.26%Core capital (leverage) ratio
  • 11.08%Tier 1 risk-based capital ratio
  • 15.40%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $70,536Average earning assets
  • $7,738Average equity
  • $64,036Average loans

List of branches

  • 2 New Mexico Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0301127American Heritage Bank3300 N Prince St, Clovis, NM 88101December 05, 2000Full Service Brick and Mortar
    1419874Melrose Branch400 East Denby Street, Melrose, NM 88124June 26, 2001Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with American Heritage Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents