Heartland Community Bank in Bennet, Nebraska (NE)



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Heartland Community Bank routing number info

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Heartland Community Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)24
Total assets$56,369
Cash and due from depository institutions$6,747
Interest-bearing balances$5,431
Securities$12,705
Federal funds sold & reverse repurchase agreements$120
Net loans & leases$33,874
Loan loss allowance $266
Trading account assets$0
Bank premises and fixed assets$1,469
Other real estate owned$28
Goodwill and other intangibles$0
All other assets$1,426
Life insurance assets$56,369
Total liabilities and capital$52,852
Total liabilities$49,419
Total deposits$41,739
Interest-bearing deposits$49,419
Deposits held in domestic offices$95
% insured (estimated)34.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,802
Other borrowed funds $0
Subordinated debt $597
All other liabilities $3,517
Total equity capital$3,517
Total bank equity capital$3,517
Perpetual preferred stock$0
Common stock$150
Surplus$1,850
Undivided profits $1,517
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $46
Earning assets $0
Long-term assets (5+ years) $386
Average Assets, year-to-date $52,130
Average Assets, quarterly $9,007
Volatile liabilities $55,381
Insider loans $56,234
FHLB advances $38,778
Loans and leases held for sale $56,404
Unused loan commitments $352
Tier 1 (core) risk-based capital $352
Tier 2 risk-based capital $3,517
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,184
Derivatives$160
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,603
Total interest expense $490
Net interest income $2,113
Provision for loan and lease losses $121
Total noninterest income $563
Fiduciary activities $0
Service charges on deposit accounts $422
Trading account gains & fees $0
Additional noninterest income $141
Total noninterest expense $2,061
Salaries and employee benefits $1,200
Premises and equipment expense $447
Additional noninterest expense $414
Pre-tax net operating income $494
Securities gains (losses) $0
Applicable income taxes $9
Income before extraordinary items $485
Extraordinary gains - net $0
Net income attributable to bank $485
Net charge-offs $0
Cash dividends $485
Sale, conversion, retirement of capital stock, net $64
Net operating income $404
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.10%
Cost of funding earning assets 0.96%
Net interest margin 4.14%
Noninterest income to earning assets 1.10%
Noninterest expense to earning assets 4.03%
Net operating income to assets 0.88%
Return on assets (ROA) 0.88%
Pretax return on assets 0.89%
Return on equity (ROE) 13.76%
Retained earnings to average equity (YTD only) 2.30%
Net charge-offs to loans 0.19%
Credit loss provision to net charge-offs 189.06%
Efficiency ratio9.61%
Assets per employee$77,018
Cash dividends to net income (YTD only)2.35%
Condition Ratios (%)
Loss allowance to loans 83.30%
Loss allowance to noncurrent loans 0.78%
Noncurrent assets plus other real estate owned to assets 578.26%
Noncurrent loans to loans 0.13%
Net loans and leases to deposits0.13%
Net loans and leases to core deposits 68.54%
Equity capital to assets 69.67%
Core capital (leverage) ratio 6.24%
Tier 1 risk-based capital ratio 6.24%
Total risk-based capital ratio 9.07%
Memoranda
Average assets$10
Average earning assets$55,381
Average equity $3,525
Average loans $51,082
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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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