Heritage National Bank in Granbury, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 07, 2005

  • Heritage National Bank in Granbury, Texas (TX)
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Heritage National Bank - Overview

  • General
  • FDIC Certificate #: 25233
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: State National Bank (#34336)
    Federal Reserve ID: 267755
    Date Established: June 04, 1984
    WWW: http://www.hnbtx.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    OTS Docket #: 11004
    FDIC's unique #: 17445
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: June 04, 1984
    Last Structure Change Effective Date: October 07, 2005
    Last Structure Change Process Date: October 14, 2005
    Last Data Update: October 14, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: Highways 377 And 208, Granbury, TX 76048
    County: Hood
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Fort Worth-Arlington, TX (#2800)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Granbury, TX (#24180)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $225.7 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, 2004)

  • Dollar figures in thousands
  • 75Total employees (full-time equivalent)
  • $238,515Total assets
  • $7,736Cash and due from depository institutions
  • $1,658Interest-bearing balances
  • $120,373Securities
  • $4,840Federal funds sold & reverse repurchase agreements
  • $94,547Net loans & leases
  • $1,491Loan loss allowance
  • $0Trading account assets
  • $8,248Bank premises and fixed assets
  • $24Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,747All other assets
  • $238,515Total liabilities and capital
  • $223,013Total liabilities
  • $214,601Total deposits
  • $179,727Interest-bearing deposits
  • $214,601Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $12Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $7,654Other borrowed funds
  • $0Subordinated debt
  • $746All other liabilities
  • $15,502Total equity capital
  • $15,502Total bank equity capital
  • $15,502Perpetual preferred stock
  • $0Common stock
  • $1,427Surplus
  • $1,573Undivided profits
  • Memoranda
  • $12,502Noncurrent loans and leases
  • $7,404Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $86Earning assets
  • $0Long-term assets (5+ years)
  • $1,458Average Assets, year-to-date
  • $221,418Average Assets, quarterly
  • $68,204Volatile liabilities
  • $231,772Insider loans
  • $238,369FHLB advances
  • $31,953Loans and leases held for sale
  • $257Unused loan commitments
  • $7,654Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,404Total unused commitments
  • $0Restructured Loans and leases
  • $1,421Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $10,606Total interest income
  • $3,679Total interest expense
  • $6,927Net interest income
  • $120Provision for loan and lease losses
  • $1,471Total noninterest income
  • $32Fiduciary activities
  • $980Service charges on deposit accounts
  • $0Trading account gains & fees
  • $459Additional noninterest income
  • $5,608Total noninterest expense
  • $3,336Salaries and employee benefits
  • $1,095Premises and equipment expense
  • $1,177Additional noninterest expense
  • $2,670Pre-tax net operating income
  • $37Securities gains (losses)
  • $13Applicable income taxes
  • $2,694Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,694Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $9Sale, conversion, retirement of capital stock, net
  • $1,335Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 1.72%Cost of funding earning assets
  • 3.23%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 2.62%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 17.14%Return on equity (ROE)
  • 8.65%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 1333.33%Credit loss provision to net charge-offs
  • 310.00%Efficiency ratio
  • 66,778Assets per employee
  • 3.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.55%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 1733.72%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.09%Net loans and leases to deposits
  • 44.06%Net loans and leases to core deposits
  • 51.04%Equity capital to assets
  • 6.50%Core capital (leverage) ratio
  • 6.25%Tier 1 risk-based capital ratio
  • 12.93%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $231,772Average earning assets
  • $15,715Average equity
  • $214,212Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $5,044Managed Assets
  • 1Number of Accounts
  • $5,044Personal trust and agency accounts
  • $1,032Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $4,012Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 19Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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