Hantz Bank in Davison, Michigan (MI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Hantz Bank in Davison, Michigan (MI)
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Hantz Bank - Overview

  • General
  • FDIC Certificate #: 35345
    Status: Active
    Federal Reserve ID: 2855307
    Bank Holding Company (Regulatory Top Holder): Hantz Holdings, Inc. (RSSDID: 3932250, Location: Southfield, MI)
    Date Established: March 13, 2000
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 78806
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: 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: March 13, 2000
    Last Structure Change Effective Date: January 17, 2011
    Last Structure Change Process Date: Febuary 18, 2011
    Last Data Update: Febuary 18, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 625 S. State Road, Davison, MI 48423
    County: Genesee
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Detroit
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Flint, MI (#2640)
    Consolidated Metropolitan Statistical Area (CMSA): Detroit-Ann Arbor-Flint, MI (#35)
    Combined Statistical Area (CSA): Detroit-Warren-Flint, MI (#220)
    Core Based Statistical Area (CBSA): Flint, MI (#22420)
    CBSA Metro Statistical Area: Flint, MI (#22420)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $55.1 mil
    Equity capital: $8.1 mil
    Deposits held in domestic offices: $46.5 mil
    Return on assets (ROA): 0.11% ($0.1 mil)
    Quarterly return on assets: 1.23% ($0.7 mil)
    Return on Equity (ROE): 0.67% ($0.1 mil)
    Quarterly return on equity: 8.17% ($0.7 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.16% ($88.1 mil)
    Quarterly Pretax return on assets: 1.93% ($1,062.9 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
  • 38Total employees (full-time equivalent)
  • $55,071Total assets
  • $9,362Cash and due from depository institutions
  • $8,477Interest-bearing balances
  • $3,641Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $39,125Net loans & leases
  • $241Loan loss allowance
  • $0Trading account assets
  • $161Bank premises and fixed assets
  • $74Other real estate owned
  • $1,750Goodwill and other intangibles
  • $55,071Life insurance assets
  • $958All other assets
  • $47,018Total liabilities and capital
  • $46,541Total liabilities
  • $30,512Total deposits
  • $46,541Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $477Subordinated debt
  • $8,053All other liabilities
  • $8,053Total equity capital
  • $8,053Total bank equity capital
  • $1,470Perpetual preferred stock
  • $153Common stock
  • $6,480Surplus
  • $-50Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $10,841Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $350Income earned, not collected on loans
  • $0Earning assets
  • $150Long-term assets (5+ years)
  • $51,243Average Assets, year-to-date
  • $6,056Average Assets, quarterly
  • $48,144Volatile liabilities
  • $52,810Insider loans
  • $32,758FHLB advances
  • $50,841Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,044Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,990Restructured Loans and leases
  • $624Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,949Total interest income
  • $216Total interest expense
  • $1,733Net interest income
  • $156Provision for loan and lease losses
  • $2,166Total noninterest income
  • $0Fiduciary activities
  • $250Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,916Additional noninterest income
  • $3,685Total noninterest expense
  • $1,449Salaries and employee benefits
  • $223Premises and equipment expense
  • $2,013Additional noninterest expense
  • $58Pre-tax net operating income
  • $21Securities gains (losses)
  • $28Applicable income taxes
  • $51Income before extraordinary items
  • $0Extraordinary gains - net
  • $51Net income attributable to bank
  • $0Net charge-offs
  • $51Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.46%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 3.96%Net interest margin
  • 4.95%Noninterest income to earning assets
  • 8.43%Noninterest expense to earning assets
  • 0.08%Net operating income to assets
  • 0.11%Return on assets (ROA)
  • 0.16%Pretax return on assets
  • 0.67%Return on equity (ROE)
  • 0.67%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 15600.00%Credit loss provision to net charge-offs
  • 214.00%Efficiency ratio
  • 89,356Assets per employee
  • 1.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.61%Loss allowance to noncurrent loans
  • 68.86%Noncurrent assets plus other real estate owned to assets
  • 0.77%Noncurrent loans to loans
  • 0.89%Net loans and leases to deposits
  • 84.07%Net loans and leases to core deposits
  • 107.79%Equity capital to assets
  • 14.62%Core capital (leverage) ratio
  • 11.89%Tier 1 risk-based capital ratio
  • 18.45%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $48,144Average earning assets
  • $7,603Average equity
  • $43,738Average loans

List of branches

  • 3 Michigan Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    078806Hantz Bank625 S. State Road, Davison, MI 48423March 13, 2000Full Service Brick and Mortar
    4518633Clinton Township Branch24668 Hall Road, Clinton Township, MI 48036March 07, 2011Full Service Brick and Mortar
    5526574Ann Arbor Mi Branch2400 Green Road, Ann Arbor, MI 48105November 14, 2011Full Service Brick and Mortar

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