Heartland Community Bank in Bennet, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Heartland Community Bank in Bennet, Nebraska (NE)
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Heartland Community Bank - Overview

  • General
  • FDIC Certificate #: 34053
    Status: Active
    Federal Reserve ID: 2330895
    Bank Holding Company (Regulatory Top Holder): Avoca Company (RSSDID: 1058473, Location: Avoca, NE)
    Date Established: August 30, 1995
    WWW: http://www.heartlandcb.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 56132
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 30, 1995
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 50 Monroe Street, Bennet, NE 68317
    County: Lancaster
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Lincoln, NE (#4360)
    Core Based Statistical Area (CBSA): Lincoln, NE (#30700)
    CBSA Metro Statistical Area: Lincoln, NE (#30700)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $56.4 mil
    Equity capital: $3.5 mil
    Deposits held in domestic offices: $49.4 mil
    Return on assets (ROA): 0.88% ($0.5 mil)
    Quarterly return on assets: 1.61% ($0.9 mil)
    Return on Equity (ROE): 13.76% ($0.6 mil)
    Quarterly return on equity: 25.23% ($1.0 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.89% ($501.7 mil)
    Quarterly Pretax return on assets: 1.67% ($941.4 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
  • 24Total employees (full-time equivalent)
  • $56,369Total assets
  • $6,747Cash and due from depository institutions
  • $5,431Interest-bearing balances
  • $12,705Securities
  • $120Federal funds sold & reverse repurchase agreements
  • $33,874Net loans & leases
  • $266Loan loss allowance
  • $0Trading account assets
  • $1,469Bank premises and fixed assets
  • $28Other real estate owned
  • $0Goodwill and other intangibles
  • $56,369Life insurance assets
  • $1,426All other assets
  • $52,852Total liabilities and capital
  • $49,419Total liabilities
  • $41,739Total deposits
  • $49,419Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 34.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,802Trading liabilities
  • $0Other borrowed funds
  • $597Subordinated debt
  • $3,517All other liabilities
  • $3,517Total equity capital
  • $3,517Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $1,850Surplus
  • $1,517Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $46Income earned, not collected on loans
  • $0Earning assets
  • $386Long-term assets (5+ years)
  • $52,130Average Assets, year-to-date
  • $9,007Average Assets, quarterly
  • $55,381Volatile liabilities
  • $56,234Insider loans
  • $38,778FHLB advances
  • $56,404Loans and leases held for sale
  • $352Unused loan commitments
  • $352Tier 1 (core) risk-based capital
  • $3,517Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,184Restructured Loans and leases
  • $160Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,603Total interest income
  • $490Total interest expense
  • $2,113Net interest income
  • $121Provision for loan and lease losses
  • $563Total noninterest income
  • $0Fiduciary activities
  • $422Service charges on deposit accounts
  • $0Trading account gains & fees
  • $141Additional noninterest income
  • $2,061Total noninterest expense
  • $1,200Salaries and employee benefits
  • $447Premises and equipment expense
  • $414Additional noninterest expense
  • $494Pre-tax net operating income
  • $0Securities gains (losses)
  • $9Applicable income taxes
  • $485Income before extraordinary items
  • $0Extraordinary gains - net
  • $485Net income attributable to bank
  • $0Net charge-offs
  • $485Cash dividends
  • $64Sale, conversion, retirement of capital stock, net
  • $404Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 4.14%Net interest margin
  • 1.10%Noninterest income to earning assets
  • 4.03%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 13.76%Return on equity (ROE)
  • 2.30%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 189.06%Credit loss provision to net charge-offs
  • 9.61%Efficiency ratio
  • 77,018Assets per employee
  • 2.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.30%Loss allowance to loans
  • 0.78%Loss allowance to noncurrent loans
  • 578.26%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 68.54%Net loans and leases to core deposits
  • 69.67%Equity capital to assets
  • 6.24%Core capital (leverage) ratio
  • 6.24%Tier 1 risk-based capital ratio
  • 9.07%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $55,381Average earning assets
  • $3,525Average equity
  • $51,082Average loans

List of branches

  • 4 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056132Heartland Community Bank50 Monroe Street, Bennet, NE 68317August 30, 1995Full Service Brick and Mortar
    147656Weeping Water Branch107 North Elm Street, Weeping Water, NE 68463June 15, 1992Full Service Brick and Mortar
    28521Avoca Branch609 House Street, Avoca, NE 68307June 15, 1915Full Service Brick and Mortar
    3340672Nebraska City Branch2214 S 11th St, Nebraska City, NE 68410November 06, 2000Full Service Brick and Mortar

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