HNB National Bank in Hannibal, Missouri (MO)



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HNB National Bank routing number info

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HNB National Bank
GeneralFDIC Certificate #: 4540
Status: Active
Federal Reserve ID: 908553
Date Established: January 01, 1888
WWW: http://www.hnbbanks.com
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
LocationAddress: 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 ChangesOffice Purchased
Financial SummaryTotal 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)
Total employees (full-time equivalent)115
Total assets$319,595
Cash and due from depository institutions$21,940
Interest-bearing balances$14,519
Securities$12,745
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$261,769
Loan loss allowance $3,601
Trading account assets$0
Bank premises and fixed assets$7,967
Other real estate owned$668
Goodwill and other intangibles$0
All other assets$14,506
Life insurance assets$319,595
Total liabilities and capital$279,734
Total liabilities$273,353
Total deposits$233,467
Interest-bearing deposits$273,353
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,000
Other borrowed funds $0
Subordinated debt $1,381
All other liabilities $39,861
Total equity capital$39,861
Total bank equity capital$39,861
Perpetual preferred stock$0
Common stock$2,078
Surplus$23,631
Undivided profits $14,152
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,162
Income earned, not collected on loans $2,847
Earning assets $692
Long-term assets (5+ years) $2,400
Average Assets, year-to-date $289,033
Average Assets, quarterly $30,419
Volatile liabilities $324,021
Insider loans $321,088
FHLB advances $319,436
Loans and leases held for sale $322,449
Unused loan commitments $6,415
Tier 1 (core) risk-based capital $6,415
Tier 2 risk-based capital $39,346
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $42,968
Derivatives$125
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $16,798
Total interest expense $3,163
Net interest income $13,635
Provision for loan and lease losses $853
Total noninterest income $3,725
Fiduciary activities $288
Service charges on deposit accounts $1,417
Trading account gains & fees $0
Additional noninterest income $2,020
Total noninterest expense $9,736
Salaries and employee benefits $5,353
Premises and equipment expense $1,668
Additional noninterest expense $2,715
Pre-tax net operating income $6,771
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $6,771
Extraordinary gains - net $0
Net income attributable to bank $6,771
Net charge-offs $0
Cash dividends $6,771
Sale, conversion, retirement of capital stock, net $162
Net operating income $400
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.71%
Cost of funding earning assets 1.08%
Net interest margin 4.64%
Noninterest income to earning assets 1.27%
Noninterest expense to earning assets 3.31%
Net operating income to assets 2.09%
Return on assets (ROA) 2.09%
Pretax return on assets 2.09%
Return on equity (ROE) 18.67%
Retained earnings to average equity (YTD only) 17.56%
Net charge-offs to loans 0.06%
Credit loss provision to net charge-offs 526.54%
Efficiency ratio47.06%
Assets per employee$56,083
Cash dividends to net income (YTD only)2.78%
Condition Ratios (%)
Loss allowance to loans 5.91%
Loss allowance to noncurrent loans 1.36%
Noncurrent assets plus other real estate owned to assets 126.48%
Noncurrent loans to loans 1.10%
Net loans and leases to deposits1.07%
Net loans and leases to core deposits 95.76%
Equity capital to assets 97.88%
Core capital (leverage) ratio 12.47%
Tier 1 risk-based capital ratio 12.20%
Total risk-based capital ratio 12.32%
Memoranda
Average assets$14
Average earning assets$324,021
Average equity $36,275
Average loans $294,066
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$33,350
Number of Accounts1
Personal trust and agency accounts$33,145
Employee benefit-defined contribution accounts$25,627
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$544
Investment management agency accounts$0
Other fiduciary accounts$1,249
Fiduciary accounts held in foreign offices$5,725
Non-managed Assets$0
Number of Accounts85
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$544
Employee benefit-defined benefit accounts$0
Other retirement accounts$205
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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