Heartland Bank in Leawood, Kansas (KS), MO
Overview, Financial Summary, Detailed Financial Reports, Branches


Heartland Bank - Overview

  • General
  • FDIC Certificate #: 1361
    Status: Active
    Federal Reserve ID: 236452
    Bank Holding Company (Regulatory Top Holder): Mercantile Bancorp, Inc. (RSSDID: 1099328, Location: Quincy, IL)
    Date Established: January 01, 1904
    WWW: http://www.bankwithheartland.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: Yes)
    OTS Docket #: 13583
    FDIC's unique #: 888
    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: January 01, 1934
    Last Structure Change Effective Date: September 01, 2011
    Last Structure Change Process Date: October 05, 2011
    Last Data Update: October 05, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 4801 Town Center Drive, Leawood, KS 66211
    County: Johnson
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • Financial Summary
  • Total assets: $122.4 mil
    Equity capital: $2.4 mil
    Deposits held in domestic offices: $114.6 mil
    Return on assets (ROA): -2.76% (-$3.4 mil)
    Quarterly return on assets: -0.17% (-$0.2 mil)
    Return on Equity (ROE): -83.95% (-$1.7 mil)
    Quarterly return on equity: -8.57% (-$0.2 mil)
    Net income: -$3.6 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -2.76% (-$3,378.0 mil)
    Quarterly Pretax return on assets: -0.17% (-$208.1 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
  • 18Total employees (full-time equivalent)
  • $122,393Total assets
  • $42,408Cash and due from depository institutions
  • $41,824Interest-bearing balances
  • $0Securities
  • $999Federal funds sold & reverse repurchase agreements
  • $69,244Net loans & leases
  • $4,284Loan loss allowance
  • $0Trading account assets
  • $2,645Bank premises and fixed assets
  • $3,738Other real estate owned
  • $0Goodwill and other intangibles
  • $122,393Life insurance assets
  • $3,359All other assets
  • $119,947Total liabilities and capital
  • $114,635Total liabilities
  • $84,185Total deposits
  • $114,635Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $2,000Other borrowed funds
  • $312Subordinated debt
  • $2,446All other liabilities
  • $2,446Total equity capital
  • $2,446Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $22,024Surplus
  • $-19,878Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,544Income earned, not collected on loans
  • $0Earning assets
  • $229Long-term assets (5+ years)
  • $112,067Average Assets, year-to-date
  • $5,628Average Assets, quarterly
  • $129,406Volatile liabilities
  • $125,698Insider loans
  • $77,157FHLB advances
  • $119,025Loans and leases held for sale
  • $2,117Unused loan commitments
  • $74Tier 1 (core) risk-based capital
  • $2,446Tier 2 risk-based capital
  • $2,043Total risk weighted assets
  • $0Total unused commitments
  • $17,764Restructured Loans and leases
  • $425Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,428Total interest income
  • $1,502Total interest expense
  • $2,926Net interest income
  • $2,225Provision for loan and lease losses
  • -$633Total noninterest income
  • $0Fiduciary activities
  • $136Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$769Additional noninterest income
  • $3,647Total noninterest expense
  • $1,514Salaries and employee benefits
  • $475Premises and equipment expense
  • $1,658Additional noninterest expense
  • -$3,579Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • -$3,578Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,578Net income attributable to bank
  • $0Net charge-offs
  • -$3,578Cash dividends
  • $2,879Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.75%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 2.48%Net interest margin
  • -0.54%Noninterest income to earning assets
  • 3.09%Noninterest expense to earning assets
  • -2.77%Net operating income to assets
  • -2.76%Return on assets (ROA)
  • -2.76%Pretax return on assets
  • -83.95%Return on equity (ROE)
  • -83.95%Retained earnings to average equity (YTD only)
  • 3.27%Net charge-offs to loans
  • 77.28%Credit loss provision to net charge-offs
  • -0.47%Efficiency ratio
  • 159,049Assets per employee
  • 6.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.83%Loss allowance to noncurrent loans
  • 168.40%Noncurrent assets plus other real estate owned to assets
  • 5.13%Noncurrent loans to loans
  • 3.46%Net loans and leases to deposits
  • 60.40%Net loans and leases to core deposits
  • 61.76%Equity capital to assets
  • 2.00%Core capital (leverage) ratio
  • 2.06%Tier 1 risk-based capital ratio
  • 3.17%Total risk-based capital ratio
  • Memoranda
  • $5Average assets
  • $129,406Average earning assets
  • $4,262Average equity
  • $118,054Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0888Heartland Bank4801 Town Center Drive, Leawood, KS 66211January 01, 1904Full Service Brick and Mortar
  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4465925Plaza Branch4417 Belleview, Kansas City, MO 64111December 29, 2006Full Service Brick and Mortar

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