Heartland Community Bank in Franklin, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Heartland Community Bank in Franklin, Indiana (IN)
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Heartland Community Bank routing number info

Heartland Community Bank - Overview

  • General
  • FDIC Certificate #: 34597
    Status: Active
    Federal Reserve ID: 2596785
    Bank Holding Company (Regulatory Top Holder): Heartland Bancshares, Inc. (RSSDID: 2595881, Location: Franklin, IN)
    Date Established: December 17, 1997
    WWW: http://www.hcb-in.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 16092
    FDIC's unique #: 60761
    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: December 17, 1997
    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: 420 North Morton Street, Franklin, IN 46131
    County: Johnson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Indianapolis, IN (#3480)
    Combined Statistical Area (CSA): Indianapolis-Anderson-Columbus, IN (#294)
    Core Based Statistical Area (CBSA): Indianapolis-Carmel, IN (#26900)
    CBSA Metro Statistical Area: Indianapolis-Carmel, IN (#26900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $245.3 mil
    Equity capital: $24.0 mil
    Deposits held in domestic offices: $218.7 mil
    Return on assets (ROA): 0.23% ($0.6 mil)
    Quarterly return on assets: 0.35% ($0.9 mil)
    Return on Equity (ROE): 2.37% ($0.6 mil)
    Quarterly return on equity: 3.56% ($0.9 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.24% ($588.7 mil)
    Quarterly Pretax return on assets: 0.51% ($1,251.0 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
  • 89Total employees (full-time equivalent)
  • $245,295Total assets
  • $32,257Cash and due from depository institutions
  • $29,007Interest-bearing balances
  • $60,786Securities
  • $2,547Federal funds sold & reverse repurchase agreements
  • $135,368Net loans & leases
  • $3,045Loan loss allowance
  • $0Trading account assets
  • $4,136Bank premises and fixed assets
  • $1,241Other real estate owned
  • $0Goodwill and other intangibles
  • $245,295Life insurance assets
  • $8,960All other assets
  • $221,342Total liabilities and capital
  • $218,709Total liabilities
  • $149,027Total deposits
  • $218,709Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $1,633Subordinated debt
  • $23,953All other liabilities
  • $23,953Total equity capital
  • $23,953Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $20,331Surplus
  • $3,522Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $702Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,225Income earned, not collected on loans
  • $0Earning assets
  • $1,004Long-term assets (5+ years)
  • $227,708Average Assets, year-to-date
  • $101,889Average Assets, quarterly
  • $236,752Volatile liabilities
  • $240,192Insider loans
  • $152,634FHLB advances
  • $240,135Loans and leases held for sale
  • $3,929Unused loan commitments
  • $3,929Tier 1 (core) risk-based capital
  • $22,816Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $43,843Restructured Loans and leases
  • $6,100Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,402Total interest income
  • $1,380Total interest expense
  • $9,022Net interest income
  • $2,225Provision for loan and lease losses
  • $2,560Total noninterest income
  • $2Fiduciary activities
  • $1,207Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,351Additional noninterest income
  • $9,068Total noninterest expense
  • $5,024Salaries and employee benefits
  • $806Premises and equipment expense
  • $3,238Additional noninterest expense
  • $289Pre-tax net operating income
  • $269Securities gains (losses)
  • $9Applicable income taxes
  • $549Income before extraordinary items
  • $0Extraordinary gains - net
  • $549Net income attributable to bank
  • $0Net charge-offs
  • $549Cash dividends
  • $2,212Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 4.14%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 4.16%Noninterest expense to earning assets
  • 0.12%Net operating income to assets
  • 0.23%Return on assets (ROA)
  • 0.24%Pretax return on assets
  • 2.37%Return on equity (ROE)
  • 2.37%Retained earnings to average equity (YTD only)
  • 1.55%Net charge-offs to loans
  • 100.59%Credit loss provision to net charge-offs
  • 1.14%Efficiency ratio
  • 78,294Assets per employee
  • 2.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.20%Loss allowance to noncurrent loans
  • 42.15%Noncurrent assets plus other real estate owned to assets
  • 3.60%Noncurrent loans to loans
  • 5.22%Net loans and leases to deposits
  • 61.89%Net loans and leases to core deposits
  • 64.32%Equity capital to assets
  • 9.76%Core capital (leverage) ratio
  • 9.50%Tier 1 risk-based capital ratio
  • 14.95%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $236,752Average earning assets
  • $23,154Average equity
  • $217,915Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,314Managed Assets
  • 1Number of Accounts
  • $1,314Personal trust and agency accounts
  • $1,314Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 4Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 6 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    060761Heartland Community Bank420 North Morton Street, Franklin, IN 46131December 17, 1997Full Service Brick and Mortar
    1290729Greenwood Branch489 South State Road 135, Greenwood, IN 46142May 18, 1998Full Service Brick and Mortar
    2290730Bargersville BranchThree Notch Lane, Bargersville, IN 46106January 10, 2000Full Service Brick and Mortar
    3357970Us 31 South Branch800 Us 31 South, Greenwood, IN 46143August 07, 2000Full Service Brick and Mortar
    4473832Main Street Branch2433 East Main Street, Greenwood, IN 46142March 18, 2008Full Service Brick and Mortar
    5483222New Whiteland Branch215 U.S. 31 North, New Whiteland, IN 46184December 02, 2008Full Service Brick and Mortar

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