SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN HERITAGE BANK
3300 NORTH PRINCE STREET
CLOVIS, New Mexico 88102

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 2960555




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$75,691$73,091$71,600
Loans Receivable, Net44,59943,34241,876
Mortgage-Backed Securities9,20811,52013,974
Investments9,6257,7582,842
Deposits67,10263,62161,050
Borrowings7101,4202,230
Equity7,7017,5818,062
Net Interest Income2,5652,6862,578
Fee Income238259281
Overhead2,1602,0691,984
Net Operating Income7471,148951
Net Income507752576
Ratio Analysis Profitability%%%
Return on Assets *0.711.080.81
Operating Return on Assets *1.041.641.34
Return on Equity *6.699.417.31
Net Interest Margin *3.994.284.03
Fee Income / Assets *0.330.370.40
Overhead / Assets *3.012.962.81
Efficiency Ratio72.4667.6667.19
Asset Quality%%%
Nonperforming Assets / Assets2.201.552.30
Nonperforming Assets / Equity & Loss Reserves19.8813.7518.91
Loss Reserves / Nonperforming Loans47.1773.011.57
1-4 Fam Mtg + MBS / Assets18.9623.5628.69
Commercial Real Estate Loans / Assets6.607.108.29
Construction Loans / Assets3.723.962.45
Commercial & Industrial Loans / Assets12.6412.9012.44
Consumer Loans / Assets1.231.732.41
Capitalization%%%
Equity / Assets10.1710.3711.26
Tangible Capital / Tangible Assets10.1710.3711.26
Risk-based Capital Ratio15.0714.7616.64
Liquidity%%%
Loans / Deposits66.4668.1368.59
Non-Interest Bearing Deposits / Deposits25.9126.7024.22
Purchased Liabilities6.947.8121.92

* Calculations are based on the latest four quarters of income and expense.
Modify Search

Connect with us