Heartland Federal Savings and Loan Association in Ponca City, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 09, 1993

  • Heartland Federal Savings and Loan Association in Ponca City, Oklahoma (OK)
  • Show street view No street view available for this location

Heartland Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 32604
    Status: Inactive
    Closing history: Office Sold
    Acquiring institution: Commercial Federal Bank, a Federal Savings Bank (#30341)
    Federal Reserve ID: 1217337
    Date Established: August 31, 1988
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 8519
    FDIC's unique #: 45438
    Numeric code: 37
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: August 31, 1988
    Last Structure Change Effective Date: October 09, 1993
    Last Structure Change Process Date: November 03, 1993
    Last Data Update: November 03, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 400 East Central Avenue, Ponca City, OK 74602
    County: Kay
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Tulsa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Ponca City, OK (#38620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
    Corrections
    Office Sold
  • Financial Summary
  • Total assets: $761.0 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $187Total assets
  • $904,716Cash and due from depository institutions
  • $45,862Interest-bearing balances
  • $41,421Securities
  • $309,523Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $358,248Loan loss allowance
  • $4,248Trading account assets
  • $0Bank premises and fixed assets
  • $3,445Other real estate owned
  • $90,925Goodwill and other intangibles
  • $55,009Life insurance assets
  • $41,704All other assets
  • $0Total liabilities and capital
  • $904,716Total liabilities
  • $842,294Total deposits
  • $752,646Interest-bearing deposits
  • $732,686Deposits held in domestic offices
  • 752646.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $86,633Subordinated debt
  • $0All other liabilities
  • $3,015Total equity capital
  • $3,015Total bank equity capital
  • $62,422Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $62,422Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,339Income earned, not collected on loans
  • $2,630Earning assets
  • $709,192Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $881,833Average Assets, quarterly
  • $896,288Volatile liabilities
  • $116,913Insider loans
  • $0FHLB advances
  • $86,633Loans and leases held for sale
  • $0Unused loan commitments
  • $10,983Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $59,744Total risk weighted assets
  • $269,026Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $62,433Total interest expense
  • $45,697Net interest income
  • $16,736Provision for loan and lease losses
  • $0Total noninterest income
  • $50,023Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $50,023Total noninterest expense
  • $54,381Salaries and employee benefits
  • $6,459Premises and equipment expense
  • $2,528Additional noninterest expense
  • $45,394Pre-tax net operating income
  • $12,378Securities gains (losses)
  • $2,103Applicable income taxes
  • $555Income before extraordinary items
  • $13,926Extraordinary gains - net
  • $0Net income attributable to bank
  • $13,926Net charge-offs
  • $1,287Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.33%Cost of funding earning assets
  • 6.83%Net interest margin
  • 2.50%Noninterest income to earning assets
  • 7.47%Noninterest expense to earning assets
  • 8.13%Net operating income to assets
  • 1.35%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 1.64%Return on equity (ROE)
  • 24.85%Retained earnings to average equity (YTD only)
  • 24.85%Net charge-offs to loans
  • 0.32%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 81,459Assets per employee
  • 4.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 45.49%Noncurrent assets plus other real estate owned to assets
  • 11.08%Noncurrent loans to loans
  • 2.58%Net loans and leases to deposits
  • 47.60%Net loans and leases to core deposits
  • 49.59%Equity capital to assets
  • 6.90%Core capital (leverage) ratio
  • 6.61%Tier 1 risk-based capital ratio
  • 22.21%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $881,833Average earning assets
  • $56,049Average equity
  • $669,231Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Heartland Federal Savings and Loan Association.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents