Heartland Bank in Saint Louis, Missouri (MO), CO
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Heartland Bank in Saint Louis, Missouri (MO), CO
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Heartland Bank - Overview

  • General
  • FDIC Certificate #: 28694
    Status: Active
    Federal Reserve ID: 501972
    Date Established: January 01, 1887
    WWW: http://www.heartland-bank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 15 (Domestic: 15, Interstate: Yes)
    OTS Docket #: 2165
    FDIC's unique #: 41528
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 12, 1936
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 212 South Central Street, Suite 200, Saint Louis, MO 63105
    County: St. Louis
    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
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $878.9 mil
    Equity capital: $56.7 mil
    Deposits held in domestic offices: $793.3 mil
    Return on assets (ROA): -1.33% (-$11.7 mil)
    Quarterly return on assets: -2.32% (-$20.4 mil)
    Return on Equity (ROE): -18.57% (-$10.6 mil)
    Quarterly return on equity: -34.44% (-$19.6 mil)
    Net income: -$11.9 mil
    Quarterly Net income: -$5.1 mil
    Pretax return on assets: -2.18% (-$19,159.0 mil)
    Quarterly Pretax return on assets: -3.70% (-$32,517.5 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
  • 266Total employees (full-time equivalent)
  • $878,852Total assets
  • $152,983Cash and due from depository institutions
  • $125,644Interest-bearing balances
  • $118,397Securities
  • $25Federal funds sold & reverse repurchase agreements
  • $494,913Net loans & leases
  • $14,240Loan loss allowance
  • $0Trading account assets
  • $31,051Bank premises and fixed assets
  • $14,804Other real estate owned
  • $36,213Goodwill and other intangibles
  • $878,852Life insurance assets
  • $30,466All other assets
  • $821,738Total liabilities and capital
  • $793,279Total liabilities
  • $583,531Total deposits
  • $793,279Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,965Trading liabilities
  • $0Other borrowed funds
  • $12,494Subordinated debt
  • $57,114All other liabilities
  • $56,679Total equity capital
  • $56,679Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $38,384Surplus
  • $17,695Undivided profits
  • Memoranda
  • $435Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $24,709Income earned, not collected on loans
  • $0Earning assets
  • $2,030Long-term assets (5+ years)
  • $738,979Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $895,823Volatile liabilities
  • $886,191Insider loans
  • $567,857FHLB advances
  • $875,046Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $53,308Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $66,396Restructured Loans and leases
  • $146Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $37,481Total interest income
  • $8,130Total interest expense
  • $29,351Net interest income
  • $14,151Provision for loan and lease losses
  • $3,618Total noninterest income
  • $0Fiduciary activities
  • $1,968Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,650Additional noninterest income
  • $38,383Total noninterest expense
  • $22,670Salaries and employee benefits
  • $6,690Premises and equipment expense
  • $9,023Additional noninterest expense
  • -$19,565Pre-tax net operating income
  • $267Securities gains (losses)
  • -$7,620Applicable income taxes
  • -$11,678Income before extraordinary items
  • $0Extraordinary gains - net
  • -$11,948Net income attributable to bank
  • $270Net charge-offs
  • -$11,678Cash dividends
  • $17,750Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 5.05%Noninterest expense to earning assets
  • -1.32%Net operating income to assets
  • -1.33%Return on assets (ROA)
  • -2.18%Pretax return on assets
  • -18.57%Return on equity (ROE)
  • -18.57%Retained earnings to average equity (YTD only)
  • 3.18%Net charge-offs to loans
  • 79.72%Credit loss provision to net charge-offs
  • -0.31%Efficiency ratio
  • 115,872Assets per employee
  • 3.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.80%Loss allowance to noncurrent loans
  • 57.63%Noncurrent assets plus other real estate owned to assets
  • 4.50%Noncurrent loans to loans
  • 4.85%Net loans and leases to deposits
  • 62.39%Net loans and leases to core deposits
  • 68.48%Equity capital to assets
  • 6.45%Core capital (leverage) ratio
  • 6.09%Tier 1 risk-based capital ratio
  • 9.39%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $895,823Average earning assets
  • $64,336Average equity
  • $759,789Average loans

List of branches

  • 1 Colorado Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    110463844Denver Branch100 Garfield St, Suite 100, Denver, CO 80206June 15, 2007Full Service Brick and Mortar
  • 14 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041528Heartland Bank212 South Central Street, Suite 200, Saint Louis, MO 63105January 01, 1887Full Service Brick and Mortar
    2270097St. Clair Branch815 North Commercial Avenue, St. Clair, MO 63077January 01, 1887Full Service Brick and Mortar
    10141350Sunset Hills Branch11670 Gravois Road, Saint Louis, MO 63126January 01, 1924Full Service Brick and Mortar
    102268045Arnold Branch1920 Richardson Rd, Arnold, MO 63010January 01, 1924Full Service Brick and Mortar
    103270100Friendship Village Branch12503 Village Circle Drive, Saint Louis, MO 63127June 30, 1989Limited Service Mobile
    107270104Gatesworth BranchOne Mcknight Place, Saint Louis, MO 63124July 01, 1996Limited Service Mobile
    108270105Town & Country Branch13402 Clayton Rd, Saint Louis, MO 63131August 06, 1996Full Service Brick and Mortar
    109423294Clayton Branch7818 Bonhomme Avenue, Saint Louis, MO 63105June 30, 1999Full Service Brick and Mortar
    111463845St. Charles Branch5991 South Highway 94, Saint Charles, MO 63304June 15, 2007Full Service Brick and Mortar
    112463850Rock Hill Branch9877 Manchester Road, Saint Louis, MO 63119June 15, 2007Full Service Brick and Mortar
    113518103Chesterfield Branch14125 Clayton Rd, Chesterfield, MO 63017January 29, 2007Full Service Brick and Mortar
    114518105Ladue Branch9925 Clayton Rd, Saint Louis, MO 63124July 05, 2006Full Service Brick and Mortar
    115518106O'fallon Branch2341 Highway K, O Fallon, MO 63368April 16, 2007Full Service Brick and Mortar
    116521979Heartland-Bank.Com212 South Central Avenue, Saint Louis, MO 63105May 01, 2007Full Service Cyber

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