Heritage Bank in Topeka, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Heritage Bank in Topeka, Kansas (KS)
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Heritage Bank - Overview

  • General
  • FDIC Certificate #: 57548
    Status: Active
    Federal Reserve ID: 3120897
    Bank Holding Company (Regulatory Top Holder): Heritage Bancshares, Inc. (RSSDID: 3120310, Location: Topeka, KS)
    Date Established: April 14, 2003
    WWW: http://www.heritagebankonline.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 52892
    FDIC's unique #: 365454
    Numeric code: 13
    Regulator: FED
    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: April 14, 2003
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: October 07, 2010
    Last Data Update: October 07, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 3024 Southwest Wanamaker Road, Topeka, KS 66614
    County: Shawnee
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Topeka, KS (#8440)
    Core Based Statistical Area (CBSA): Topeka, KS (#45820)
    CBSA Metro Statistical Area: Topeka, KS (#45820)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $53.1 mil
    Equity capital: $3.1 mil
    Deposits held in domestic offices: $43.8 mil
    Return on assets (ROA): -2.35% (-$1.2 mil)
    Quarterly return on assets: -3.09% (-$1.6 mil)
    Return on Equity (ROE): -38.45% (-$1.2 mil)
    Quarterly return on equity: -53.45% (-$1.6 mil)
    Net income: -$1.3 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: -1.78% (-$944.7 mil)
    Quarterly Pretax return on assets: -0.53% (-$281.3 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
  • 10Total employees (full-time equivalent)
  • $53,071Total assets
  • $5,058Cash and due from depository institutions
  • $4,551Interest-bearing balances
  • $401Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $44,183Net loans & leases
  • $1,554Loan loss allowance
  • $0Trading account assets
  • $806Bank premises and fixed assets
  • $1,628Other real estate owned
  • $0Goodwill and other intangibles
  • $53,071Life insurance assets
  • $995All other assets
  • $49,977Total liabilities and capital
  • $43,817Total liabilities
  • $40,326Total deposits
  • $43,817Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $160Subordinated debt
  • $3,094All other liabilities
  • $3,094Total equity capital
  • $3,094Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $9,137Surplus
  • $-9,043Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $977Income earned, not collected on loans
  • $0Earning assets
  • $156Long-term assets (5+ years)
  • $49,135Average Assets, year-to-date
  • $5,005Average Assets, quarterly
  • $53,803Volatile liabilities
  • $52,907Insider loans
  • $37,279FHLB advances
  • $53,528Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,094Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,105Restructured Loans and leases
  • $798Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,108Total interest income
  • $714Total interest expense
  • $2,394Net interest income
  • $765Provision for loan and lease losses
  • -$254Total noninterest income
  • $0Fiduciary activities
  • $32Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$286Additional noninterest income
  • $2,332Total noninterest expense
  • $794Salaries and employee benefits
  • $674Premises and equipment expense
  • $864Additional noninterest expense
  • -$957Pre-tax net operating income
  • $0Securities gains (losses)
  • $307Applicable income taxes
  • -$1,264Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,264Net income attributable to bank
  • $0Net charge-offs
  • -$1,264Cash dividends
  • $1,128Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.25%Yield on earning assets
  • 1.44%Cost of funding earning assets
  • 4.81%Net interest margin
  • -0.51%Noninterest income to earning assets
  • 4.69%Noninterest expense to earning assets
  • -2.35%Net operating income to assets
  • -2.35%Return on assets (ROA)
  • -1.78%Pretax return on assets
  • -38.45%Return on equity (ROE)
  • -38.45%Retained earnings to average equity (YTD only)
  • 2.31%Net charge-offs to loans
  • 67.82%Credit loss provision to net charge-offs
  • -0.17%Efficiency ratio
  • 108,972Assets per employee
  • 5.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.40%Loss allowance to noncurrent loans
  • 159.06%Noncurrent assets plus other real estate owned to assets
  • 4.91%Noncurrent loans to loans
  • 2.14%Net loans and leases to deposits
  • 100.84%Net loans and leases to core deposits
  • 105.50%Equity capital to assets
  • 5.83%Core capital (leverage) ratio
  • 5.78%Tier 1 risk-based capital ratio
  • 8.30%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $53,803Average earning assets
  • $3,287Average equity
  • $49,723Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0365454Heritage Bank3024 Southwest Wanamaker Road, Topeka, KS 66614April 14, 2003Full Service Brick and Mortar

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