Heritage Bank in city_name, state_name - Detailed Financial Reports, Location

Heritage Bank in Wood River, Nebraska (NE)
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Heritage Bank routing number info

Heritage Bank - Overview

General
FDIC Certificate #: 17145
Status: Active
Federal Reserve ID: 666554
Bank Holding Company (Regulatory Top Holder): Heritage Group, Inc. (RSSDID: 1055089, Location: Aurora, NE)
Date Established: January 01, 1884
WWW: http://www.bankonheritage.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 19 (Domestic: 19, Interstate: No)
FDIC's unique #: 11183
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: September 24, 1952
Last Structure Change Effective Date: Febuary 13, 2009
Last Structure Change Process Date: Febuary 18, 2009
Last Data Update: Febuary 18, 2009
Data Source Date: April 05, 2012
Location
Address: 110 E 9th Street, Wood River, NE 68883
County: Hall
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Grand Island
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Grand Island, NE (#24260)
CBSA Micro Statistical Area: Yes
History of Changes
Participated in FDIC Assisted Absorption/Consolidation/Merger
Change in Location
Corrections
Financial Summary
Total assets: $539.7 mil
Equity capital: $75.6 mil
Deposits held in domestic offices: $373.4 mil
Return on assets (ROA): 2.04% ($11.0 mil)
Quarterly return on assets: 2.05% ($11.1 mil)
Return on Equity (ROE): 15.80% ($12.0 mil)
Quarterly return on equity: 15.08% ($11.5 mil)
Net income: $11.0 mil
Quarterly Net income: $2.8 mil
Pretax return on assets: 2.07% ($11,172.6 mil)
Quarterly Pretax return on assets: 2.09% ($11,280.6 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
124Total employees (full-time equivalent)
$539,741Total assets
$45,898Cash and due from depository institutions
$30,898Interest-bearing balances
$217,608Securities
$0Federal funds sold & reverse repurchase agreements
$251,033Net loans & leases
$4,115Loan loss allowance
$0Trading account assets
$6,421Bank premises and fixed assets
$64Other real estate owned
$8,340Goodwill and other intangibles
$539,741Life insurance assets
$10,377All other assets
$464,155Total liabilities and capital
$373,419Total liabilities
$346,603Total deposits
$373,419Interest-bearing deposits
$93Deposits held in domestic offices
67415.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$22,164Trading liabilities
$0Other borrowed funds
$1,157Subordinated debt
$75,586All other liabilities
$75,586Total equity capital
$75,586Total bank equity capital
$0Perpetual preferred stock
$180Common stock
$32,238Surplus
$43,168Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,429Income earned, not collected on loans
$0Earning assets
$5,551Long-term assets (5+ years)
$499,539Average Assets, year-to-date
$77,127Average Assets, quarterly
$539,828Volatile liabilities
$546,296Insider loans
$351,484FHLB advances
$532,892Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$64,472Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$129,078Restructured Loans and leases
$5,071Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$20,141Total interest income
$3,050Total interest expense
$17,091Net interest income
$0Provision for loan and lease losses
$3,504Total noninterest income
$742Fiduciary activities
$864Service charges on deposit accounts
$0Trading account gains & fees
$1,898Additional noninterest income
$9,414Total noninterest expense
$6,287Salaries and employee benefits
$1,019Premises and equipment expense
$2,108Additional noninterest expense
$11,181Pre-tax net operating income
$0Securities gains (losses)
$186Applicable income taxes
$10,995Income before extraordinary items
$0Extraordinary gains - net
$10,995Net income attributable to bank
$0Net charge-offs
$10,995Cash dividends
$265Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.01%Yield on earning assets
0.61%Cost of funding earning assets
3.40%Net interest margin
0.70%Noninterest income to earning assets
1.87%Noninterest expense to earning assets
2.04%Net operating income to assets
2.04%Return on assets (ROA)
2.07%Pretax return on assets
15.80%Return on equity (ROE)
15.80%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
42.19%Efficiency ratio
45,404Assets per employee
4.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.61%Loss allowance to noncurrent loans
287.96%Noncurrent assets plus other real estate owned to assets
0.28%Noncurrent loans to loans
0.56%Net loans and leases to deposits
67.23%Net loans and leases to core deposits
72.88%Equity capital to assets
14.00%Core capital (leverage) ratio
12.10%Tier 1 risk-based capital ratio
18.34%Total risk-based capital ratio
Memoranda
$20Average assets
$539,828Average earning assets
$69,606Average equity
$502,497Average 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
$125,439Managed Assets
1Number of Accounts
$124,112Personal trust and agency accounts
$75,210Employee benefit-defined contribution accounts
$485Employee benefit-defined benefit accounts
$0Other retirement accounts
$9,527Corporate trust and agency accounts
$0Investment management agency accounts
$38,890Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
204Number of Accounts
$0Personal trust and agency accounts
$9,138Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$1,327Other retirement accounts
$0Corporate trust and agency accounts
$1,289Other fiduciary accounts
$38Fiduciary accounts held in foreign offices

List of branches

19 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	11183	Heritage Bank	110 E 9th Street, Wood River, NE 68883	January 01, 1884	Full Service Brick and Mortar
1	240638	Grand Island Branch	1333 North Webb Road, Grand Island, NE 68803	March 11, 1996	Full Service Brick and Mortar
2	8720	Heritage Bank	1101 Twelfth Street, Aurora, NE 68818	January 01, 1934	Full Service Brick and Mortar
3	230671	Aurora-Drive-in Branch	1110 L Street, Aurora, NE 68818	October 13, 1970	Limited Service Facility
4	278999	Neligh Branch	305 Main Street, Neligh, NE 68756	January 01, 1892	Full Service Brick and Mortar
6	794	Stromsburg Bank Branch	200 East Third Street, Stromsburg, NE 68666	April 01, 1881	Full Service Brick and Mortar
8	357875	Heritage Bank, N.A. Branch	605 6th Street, Doniphan, NE 68832	January 18, 2001	Full Service Brick and Mortar
9	418802	Kearney Branch	103 West 25th Street, Kearney, NE 68847	October 14, 2002	Full Service Brick and Mortar
10	8597	Hastings Main Branch	800 West 3rd Street, Hastings, NE 68901	January 22, 1934	Full Service Brick and Mortar
11	230141	Motor Branch	2611 West 12th Street, Hastings, NE 68901	June 08, 1973	Limited Service Facility
12	230142	Www.Bankonheritage.com	1101 12th Street, Aurora, NE 68818	June 29, 1999	Full Service Cyber
13	433584	Heritage Bank Second Avenue	315 West 60th Street, Kearney, NE 68847	December 29, 2004	Full Service Brick and Mortar
14	433849	Heritage Bank Mobile Unit	315 West 60th Street, Kearney, NE 68847	November 08, 2004	Limited Service Mobile
15	433850	Heritage Bank Mobile Unit	800 West 3rd Street, Hastings, NE 68901	October 18, 2004	Limited Service Mobile
16	453311	Heritage Bank Mobile Unit Branch	1333 North Webb Road, Grand Island, NE 68803	June 30, 2006	Limited Service Mobile
17	486609	Wood River Branch	607 East 11th Street, Wood River, NE 68883	Febuary 01, 2001	Full Service Brick and Mortar
18	3674	Sherman County Bank Branch	734 'o' Street, Loup City, NE 68853	January 01, 1932	Full Service Brick and Mortar
21	207690	St. Paul Branch	821 2nd Street, St. Paul, NE 68873	September 01, 1996	Full Service Brick and Mortar
22	510940	Broken Bow Branch	2526 South F Street, Suite 1, Broken Bow, NE 68822	June 10, 2010	Full Service Brick and Mortar

Heritage Bank in Wood River, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

Heritage Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Heritage Bank in Wood River, Nebraska (NE)Overview, Financial Summary, Detailed Financial Reports, Branches

Heritage Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Heritage Bank in Wood River, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches