Heartland Community Bank in Franklin, Indiana (IN)

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Heartland Community Bank routing number info

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Heartland Community Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)89
Total assets$245,295
Cash and due from depository institutions$32,257
Interest-bearing balances$29,007
Federal funds sold & reverse repurchase agreements$2,547
Net loans & leases$135,368
Loan loss allowance $3,045
Trading account assets$0
Bank premises and fixed assets$4,136
Other real estate owned$1,241
Goodwill and other intangibles$0
All other assets$8,960
Life insurance assets$245,295
Total liabilities and capital$221,342
Total liabilities$218,709
Total deposits$149,027
Interest-bearing deposits$218,709
Deposits held in domestic offices$87
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,000
Other borrowed funds $0
Subordinated debt $1,633
All other liabilities $23,953
Total equity capital$23,953
Total bank equity capital$23,953
Perpetual preferred stock$0
Common stock$100
Undivided profits $3,522
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $702
Income earned, not collected on loans $7,225
Earning assets $0
Long-term assets (5+ years) $1,004
Average Assets, year-to-date $227,708
Average Assets, quarterly $101,889
Volatile liabilities $236,752
Insider loans $240,192
FHLB advances $152,634
Loans and leases held for sale $240,135
Unused loan commitments $3,929
Tier 1 (core) risk-based capital $3,929
Tier 2 risk-based capital $22,816
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $43,843
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,402
Total interest expense $1,380
Net interest income $9,022
Provision for loan and lease losses $2,225
Total noninterest income $2,560
Fiduciary activities $2
Service charges on deposit accounts $1,207
Trading account gains & fees $0
Additional noninterest income $1,351
Total noninterest expense $9,068
Salaries and employee benefits $5,024
Premises and equipment expense $806
Additional noninterest expense $3,238
Pre-tax net operating income $289
Securities gains (losses) $269
Applicable income taxes $9
Income before extraordinary items $549
Extraordinary gains - net $0
Net income attributable to bank $549
Net charge-offs $0
Cash dividends $549
Sale, conversion, retirement of capital stock, net $2,212
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.77%
Cost of funding earning assets 0.63%
Net interest margin 4.14%
Noninterest income to earning assets 1.17%
Noninterest expense to earning assets 4.16%
Net operating income to assets 0.12%
Return on assets (ROA) 0.23%
Pretax return on assets 0.24%
Return on equity (ROE) 2.37%
Retained earnings to average equity (YTD only) 2.37%
Net charge-offs to loans 1.55%
Credit loss provision to net charge-offs 100.59%
Efficiency ratio1.14%
Assets per employee$78,294
Cash dividends to net income (YTD only)2.76%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.20%
Noncurrent assets plus other real estate owned to assets 42.15%
Noncurrent loans to loans 3.60%
Net loans and leases to deposits5.22%
Net loans and leases to core deposits 61.89%
Equity capital to assets 64.32%
Core capital (leverage) ratio 9.76%
Tier 1 risk-based capital ratio 9.50%
Total risk-based capital ratio 14.95%
Average assets$16
Average earning assets$236,752
Average equity $23,154
Average loans $217,915
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$1,314
Number of Accounts1
Personal trust and agency accounts$1,314
Employee benefit-defined contribution accounts$1,314
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts4
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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