HNB National Bank in Hannibal, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

HNB National Bank - Overview

  • General
  • FDIC Certificate #: 4540
    Status: Active
    Federal Reserve ID: 908553
    Date Established: January 01, 1888
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 12 (Domestic: 10, Interstate: No)
    FDIC's unique #: 3004
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 01, 2012
    Last Structure Change Process Date: January 19, 2012
    Last Data Update: January 19, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 North Main Street, Hannibal, MO 63401
    County: Marion
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Hannibal, MO (#25300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $319.6 mil
    Equity capital: $39.9 mil
    Deposits held in domestic offices: $273.4 mil
    Return on assets (ROA): 2.09% ($6.7 mil)
    Quarterly return on assets: 1.93% ($6.2 mil)
    Return on Equity (ROE): 18.67% ($7.5 mil)
    Quarterly return on equity: 15.94% ($6.4 mil)
    Net income: $6.8 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 2.09% ($6,679.5 mil)
    Quarterly Pretax return on assets: 1.93% ($6,168.2 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
  • 115Total employees (full-time equivalent)
  • $319,595Total assets
  • $21,940Cash and due from depository institutions
  • $14,519Interest-bearing balances
  • $12,745Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $261,769Net loans & leases
  • $3,601Loan loss allowance
  • $0Trading account assets
  • $7,967Bank premises and fixed assets
  • $668Other real estate owned
  • $0Goodwill and other intangibles
  • $319,595Life insurance assets
  • $14,506All other assets
  • $279,734Total liabilities and capital
  • $273,353Total liabilities
  • $233,467Total deposits
  • $273,353Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $1,381Subordinated debt
  • $39,861All other liabilities
  • $39,861Total equity capital
  • $39,861Total bank equity capital
  • $0Perpetual preferred stock
  • $2,078Common stock
  • $23,631Surplus
  • $14,152Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,162Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,847Income earned, not collected on loans
  • $692Earning assets
  • $2,400Long-term assets (5+ years)
  • $289,033Average Assets, year-to-date
  • $30,419Average Assets, quarterly
  • $324,021Volatile liabilities
  • $321,088Insider loans
  • $319,436FHLB advances
  • $322,449Loans and leases held for sale
  • $6,415Unused loan commitments
  • $6,415Tier 1 (core) risk-based capital
  • $39,346Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $42,968Restructured Loans and leases
  • $125Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,798Total interest income
  • $3,163Total interest expense
  • $13,635Net interest income
  • $853Provision for loan and lease losses
  • $3,725Total noninterest income
  • $288Fiduciary activities
  • $1,417Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,020Additional noninterest income
  • $9,736Total noninterest expense
  • $5,353Salaries and employee benefits
  • $1,668Premises and equipment expense
  • $2,715Additional noninterest expense
  • $6,771Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $6,771Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,771Net income attributable to bank
  • $0Net charge-offs
  • $6,771Cash dividends
  • $162Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.71%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 4.64%Net interest margin
  • 1.27%Noninterest income to earning assets
  • 3.31%Noninterest expense to earning assets
  • 2.09%Net operating income to assets
  • 2.09%Return on assets (ROA)
  • 2.09%Pretax return on assets
  • 18.67%Return on equity (ROE)
  • 17.56%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 526.54%Credit loss provision to net charge-offs
  • 47.06%Efficiency ratio
  • 56,083Assets per employee
  • 2.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 5.91%Loss allowance to loans
  • 1.36%Loss allowance to noncurrent loans
  • 126.48%Noncurrent assets plus other real estate owned to assets
  • 1.10%Noncurrent loans to loans
  • 1.07%Net loans and leases to deposits
  • 95.76%Net loans and leases to core deposits
  • 97.88%Equity capital to assets
  • 12.47%Core capital (leverage) ratio
  • 12.20%Tier 1 risk-based capital ratio
  • 12.32%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $324,021Average earning assets
  • $36,275Average equity
  • $294,066Average 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
  • $33,350Managed Assets
  • 1Number of Accounts
  • $33,145Personal trust and agency accounts
  • $25,627Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $544Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $1,249Other fiduciary accounts
  • $5,725Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 85Number of Accounts
  • $0Personal trust and agency accounts
  • $544Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $205Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 12 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03004Hnb National Bank100 North Main Street, Hannibal, MO 63401January 01, 1888Full Service Brick and Mortar
    1203818North BranchHighway 61 North, Hannibal, MO 63401December 16, 1993Full Service Brick and Mortar
    2203819Palmyra Banking Facility203 South Main, Palmyra, MO 63461January 17, 1995Full Service Brick and Mortar
    3429513Hnb-Wentzville Branch1977 Wentzville Parkway, Wentzville, MO 63385May 03, 2004Full Service Brick and Mortar
    4441881Hnb Bank Branch114 North Lincoln Drive, Troy, MO 63379May 02, 2005Full Service Brick and Mortar
    58015Perry State Bank Branch103 East Main Street, Perry, MO 63462May 24, 1928Full Service Brick and Mortar
    6227574Monroe City FacilityOld Highway 36, Monroe City, MO 63456March 20, 1987Full Service Brick and Mortar
    7227575Wal-Mart Branch3650 Stardust, Hannibal, MO 63401January 12, 1996Full Service Brick and Mortar
    8227576Perry State Bank700 Bus Hwy 61 S, Bowling Green, MO 63334June 24, 1998Full Service Brick and Mortar
    9419018Shinn Lane Branch150 Shinn Lane, Hannibal, MO 63401May 19, 2003Full Service Brick and Mortar
    105301Savannah Branch301 West Main Street, Savannah, MO 64485April 04, 1921Full Service Brick and Mortar
    11365592Riverside Branch1602 South Riverside Road, Saint Joseph, MO 64506October 29, 2002Full Service Brick and Mortar

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