Heartland Bank in Bryant, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


Heartland Bank - Overview

  • General
  • FDIC Certificate #: 28761
    Status: Active
    Federal Reserve ID: 155777
    Bank Holding Company (Regulatory Top Holder): Rock Bancshares, Inc. (RSSDID: 3770313, Location: Little Rock, AR)
    Date Established: January 01, 1933
    WWW: http://www.heartlandbankonline.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 2311
    FDIC's unique #: 41595
    Numeric code: 13
    Regulator: FED
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 01, 1934
    Last Structure Change Effective Date: November 01, 2011
    Last Structure Change Process Date: November 28, 2011
    Last Data Update: November 28, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 4937 Highway 5 North, Bryant, AR 72022
    County: Saline
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Little Rock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Little Rock-North Little Rock, AR (#4400)
    Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340)
    Core Based Statistical Area (CBSA): Little Rock-North Little Rock-Conway, AR (#30780)
    CBSA Metro Statistical Area: Little Rock-North Little Rock-Conway, AR (#30780)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $186.0 mil
    Equity capital: $26.9 mil
    Deposits held in domestic offices: $145.3 mil
    Return on assets (ROA): 2.14% ($4.0 mil)
    Quarterly return on assets: 2.67% ($5.0 mil)
    Return on Equity (ROE): 15.85% ($4.3 mil)
    Quarterly return on equity: 18.24% ($4.9 mil)
    Net income: $3.7 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 2.14% ($3,980.5 mil)
    Quarterly Pretax return on assets: 2.67% ($4,966.3 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
  • 35Total employees (full-time equivalent)
  • $186,005Total assets
  • $5,100Cash and due from depository institutions
  • $2,805Interest-bearing balances
  • $12,393Securities
  • $6,780Federal funds sold & reverse repurchase agreements
  • $144,444Net loans & leases
  • $2,966Loan loss allowance
  • $0Trading account assets
  • $4,999Bank premises and fixed assets
  • $3,359Other real estate owned
  • $3,266Goodwill and other intangibles
  • $186,005Life insurance assets
  • $5,664All other assets
  • $159,087Total liabilities and capital
  • $145,276Total liabilities
  • $130,133Total deposits
  • $145,276Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,612Trading liabilities
  • $0Other borrowed funds
  • $1,199Subordinated debt
  • $26,918All other liabilities
  • $26,918Total equity capital
  • $26,918Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $22,324Surplus
  • $4,593Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $785Income earned, not collected on loans
  • $0Earning assets
  • $1,230Long-term assets (5+ years)
  • $166,422Average Assets, year-to-date
  • $8,179Average Assets, quarterly
  • $171,799Volatile liabilities
  • $183,537Insider loans
  • $154,217FHLB advances
  • $179,511Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $23,429Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,291Restructured Loans and leases
  • $3,070Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,498Total interest income
  • $2,298Total interest expense
  • $8,200Net interest income
  • $900Provision for loan and lease losses
  • $1,497Total noninterest income
  • $0Fiduciary activities
  • $671Service charges on deposit accounts
  • $141Trading account gains & fees
  • $685Additional noninterest income
  • $5,127Total noninterest expense
  • $2,602Salaries and employee benefits
  • $588Premises and equipment expense
  • $1,937Additional noninterest expense
  • $3,670Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $3,670Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,670Net income attributable to bank
  • $0Net charge-offs
  • $3,670Cash dividends
  • $165Sale, conversion, retirement of capital stock, net
  • $3,896Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.88%Yield on earning assets
  • 1.51%Cost of funding earning assets
  • 5.37%Net interest margin
  • 0.98%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 2.14%Net operating income to assets
  • 2.14%Return on assets (ROA)
  • 2.14%Pretax return on assets
  • 15.85%Return on equity (ROE)
  • -0.98%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 545.45%Credit loss provision to net charge-offs
  • 27.70%Efficiency ratio
  • 51,346Assets per employee
  • 5.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 106.16%Loss allowance to loans
  • 2.01%Loss allowance to noncurrent loans
  • 377.83%Noncurrent assets plus other real estate owned to assets
  • 2.23%Noncurrent loans to loans
  • 0.53%Net loans and leases to deposits
  • 99.43%Net loans and leases to core deposits
  • 113.54%Equity capital to assets
  • 14.47%Core capital (leverage) ratio
  • 13.05%Tier 1 risk-based capital ratio
  • 15.19%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $171,799Average earning assets
  • $23,149Average equity
  • $152,605Average loans

List of branches

  • 4 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041595Heartland Bank4937 Highway 5 North, Bryant, AR 72022January 01, 1933Full Service Brick and Mortar
    1270384Fordyce Branch610 West 4th Street, Fordyce, AR 71742January 01, 1933Full Service Brick and Mortar
    3270386Sheridan Branch108 South Main, Sheridan, AR 72150June 10, 1996Full Service Brick and Mortar
    7518299Little Rock Branch5100 Kavanaugh, Little Rock, AR 72207November 15, 2010Full Service Brick and Mortar

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