Heritage Community Bank in Chamois, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Heritage Community Bank in Chamois, Missouri (MO)
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Heritage Community Bank - Overview

  • General
  • FDIC Certificate #: 15282
    Status: Active
    Federal Reserve ID: 499743
    Bank Holding Company (Regulatory Top Holder): Heritage Management Company, Inc. (RSSDID: 3575723, Location: Marthasville, MO)
    Date Established: August 19, 1935
    WWW: http://www.hcbanks.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 9627
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 19, 1935
    Last Structure Change Effective Date: September 28, 2007
    Last Structure Change Process Date: October 19, 2007
    Last Data Update: October 19, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: First And Main, Chamois, MO 65024
    County: Osage
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Jefferson City, MO (#27620)
    CBSA Metro Statistical Area: Jefferson City, MO (#27620)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $65.1 mil
    Equity capital: $8.2 mil
    Deposits held in domestic offices: $56.1 mil
    Return on assets (ROA): 0.63% ($0.4 mil)
    Quarterly return on assets: 0.93% ($0.6 mil)
    Return on Equity (ROE): 4.89% ($0.4 mil)
    Quarterly return on equity: 7.39% ($0.6 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.63% ($410.3 mil)
    Quarterly Pretax return on assets: 0.93% ($605.7 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
  • 16Total employees (full-time equivalent)
  • $65,131Total assets
  • $5,716Cash and due from depository institutions
  • $2,518Interest-bearing balances
  • $8,569Securities
  • $1,068Federal funds sold & reverse repurchase agreements
  • $46,395Net loans & leases
  • $1,107Loan loss allowance
  • $0Trading account assets
  • $1,886Bank premises and fixed assets
  • $33Other real estate owned
  • $563Goodwill and other intangibles
  • $65,131Life insurance assets
  • $901All other assets
  • $56,889Total liabilities and capital
  • $56,137Total liabilities
  • $47,747Total deposits
  • $56,137Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $500Trading liabilities
  • $0Other borrowed funds
  • $252Subordinated debt
  • $8,242All other liabilities
  • $8,242Total equity capital
  • $8,242Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $8,077Surplus
  • $115Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $354Income earned, not collected on loans
  • $0Earning assets
  • $349Long-term assets (5+ years)
  • $58,550Average Assets, year-to-date
  • $6,994Average Assets, quarterly
  • $61,901Volatile liabilities
  • $64,742Insider loans
  • $52,645FHLB advances
  • $63,037Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,597Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,431Restructured Loans and leases
  • $3,529Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,851Total interest income
  • $599Total interest expense
  • $2,252Net interest income
  • $350Provision for loan and lease losses
  • $139Total noninterest income
  • $0Fiduciary activities
  • $108Service charges on deposit accounts
  • $0Trading account gains & fees
  • $31Additional noninterest income
  • $1,673Total noninterest expense
  • $997Salaries and employee benefits
  • $186Premises and equipment expense
  • $490Additional noninterest expense
  • $368Pre-tax net operating income
  • $22Securities gains (losses)
  • $0Applicable income taxes
  • $390Income before extraordinary items
  • $0Extraordinary gains - net
  • $390Net income attributable to bank
  • $0Net charge-offs
  • $390Cash dividends
  • $22Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 4.03%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 0.59%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 4.89%Return on equity (ROE)
  • 4.89%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 1590.91%Credit loss provision to net charge-offs
  • 32.64%Efficiency ratio
  • 69,971Assets per employee
  • 4.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.33%Loss allowance to noncurrent loans
  • 312.71%Noncurrent assets plus other real estate owned to assets
  • 0.59%Noncurrent loans to loans
  • 0.75%Net loans and leases to deposits
  • 82.65%Net loans and leases to core deposits
  • 85.69%Equity capital to assets
  • 12.65%Core capital (leverage) ratio
  • 12.05%Tier 1 risk-based capital ratio
  • 14.43%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $61,901Average earning assets
  • $7,976Average equity
  • $55,927Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09627Heritage Community BankFirst And Main, Chamois, MO 65024August 19, 1935Full Service Brick and Mortar
    1469948Heritage Community Bank - Marthasvil15967 State Highway 47, Marthasville, MO 63357December 26, 2007Full Service Brick and Mortar
    2496080Heritage Community Bank - Union Bran100 East Locust Street, Union, MO 63084October 30, 2009Full Service Brick and Mortar

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