Heritage Bank of the Ozarks in Lebanon, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Heritage Bank of the Ozarks - Overview

  • General
  • FDIC Certificate #: 57576
    Status: Active
    Federal Reserve ID: 3199811
    Bank Holding Company (Regulatory Top Holder): Cornerstone Bancshares, Inc. (RSSDID: 3199820, Location: Lebanon, MO)
    Date Established: September 22, 2003
    WWW: http://www.heritagebankozarks.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 365828
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: September 22, 2003
    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: 1475 South Jefferson, Lebanon, MO 65536
    County: Laclede
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Lebanon, MO (#30060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $45.8 mil
    Equity capital: $5.1 mil
    Deposits held in domestic offices: $32.3 mil
    Return on assets (ROA): 0.99% ($0.5 mil)
    Quarterly return on assets: 0.88% ($0.4 mil)
    Return on Equity (ROE): 8.77% ($0.4 mil)
    Quarterly return on equity: 7.83% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.50% ($686.9 mil)
    Quarterly Pretax return on assets: 1.31% ($599.8 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
  • 20Total employees (full-time equivalent)
  • $45,790Total assets
  • $3,009Cash and due from depository institutions
  • $2,193Interest-bearing balances
  • $2,737Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $36,584Net loans & leases
  • $592Loan loss allowance
  • $0Trading account assets
  • $1,408Bank premises and fixed assets
  • $33Other real estate owned
  • $0Goodwill and other intangibles
  • $45,790Life insurance assets
  • $1,019All other assets
  • $40,687Total liabilities and capital
  • $32,289Total liabilities
  • $28,008Total deposits
  • $32,289Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,199Trading liabilities
  • $0Other borrowed funds
  • $199Subordinated debt
  • $5,103All other liabilities
  • $5,103Total equity capital
  • $5,103Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $2,765Surplus
  • $338Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $383Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $945Income earned, not collected on loans
  • $0Earning assets
  • $271Long-term assets (5+ years)
  • $42,514Average Assets, year-to-date
  • $3,991Average Assets, quarterly
  • $43,455Volatile liabilities
  • $45,178Insider loans
  • $34,179FHLB advances
  • $44,784Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,071Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,215Restructured Loans and leases
  • $1,850Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,435Total interest income
  • $371Total interest expense
  • $2,064Net interest income
  • $45Provision for loan and lease losses
  • $629Total noninterest income
  • $0Fiduciary activities
  • $274Service charges on deposit accounts
  • $0Trading account gains & fees
  • $355Additional noninterest income
  • $1,996Total noninterest expense
  • $1,035Salaries and employee benefits
  • $249Premises and equipment expense
  • $712Additional noninterest expense
  • $652Pre-tax net operating income
  • $0Securities gains (losses)
  • $222Applicable income taxes
  • $430Income before extraordinary items
  • $0Extraordinary gains - net
  • $430Net income attributable to bank
  • $0Net charge-offs
  • $430Cash dividends
  • $9Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.05%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 5.13%Net interest margin
  • 1.56%Noninterest income to earning assets
  • 4.96%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.50%Pretax return on assets
  • 8.77%Return on equity (ROE)
  • 8.77%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 500.00%Credit loss provision to net charge-offs
  • 77.44%Efficiency ratio
  • 74,118Assets per employee
  • 2.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.59%Loss allowance to noncurrent loans
  • 62.65%Noncurrent assets plus other real estate owned to assets
  • 2.14%Noncurrent loans to loans
  • 2.54%Net loans and leases to deposits
  • 113.30%Net loans and leases to core deposits
  • 122.02%Equity capital to assets
  • 11.14%Core capital (leverage) ratio
  • 11.32%Tier 1 risk-based capital ratio
  • 14.84%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $43,455Average earning assets
  • $4,901Average equity
  • $40,227Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0365828Heritage Bank Of The Ozarks1475 South Jefferson, Lebanon, MO 65536September 22, 2003Full Service Brick and Mortar

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