Hoosier Heartland State Bank in Crawfordsville, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Hoosier Heartland State Bank - Overview

  • General
  • FDIC Certificate #: 15566
    Status: Active
    Federal Reserve ID: 157744
    Bank Holding Company (Regulatory Top Holder): Hoosier Heartland State Bancorp (RSSDID: 3823657, Location: Crawfordsville, IN)
    Date Established: December 01, 1899
    WWW: http://www.myhhsb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 15896
    FDIC's unique #: 9858
    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: January 01, 1934
    Last Structure Change Effective Date: April 17, 2009
    Last Structure Change Process Date: May 20, 2009
    Last Data Update: May 20, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1400 Darlington Avenue, Crawfordsville, IN 47933
    County: Montgomery
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Indianapolis-Anderson-Columbus, IN (#294)
    Core Based Statistical Area (CBSA): Crawfordsville, IN (#18820)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Withdraws from FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $137.4 mil
    Equity capital: $12.9 mil
    Deposits held in domestic offices: $122.7 mil
    Return on assets (ROA): 0.77% ($1.1 mil)
    Quarterly return on assets: 1.24% ($1.7 mil)
    Return on Equity (ROE): 8.41% ($1.1 mil)
    Quarterly return on equity: 12.94% ($1.7 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.90% ($1,236.3 mil)
    Quarterly Pretax return on assets: 1.27% ($1,744.6 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
  • 45Total employees (full-time equivalent)
  • $137,370Total assets
  • $9,699Cash and due from depository institutions
  • $5,466Interest-bearing balances
  • $42,321Securities
  • $4,866Federal funds sold & reverse repurchase agreements
  • $71,106Net loans & leases
  • $919Loan loss allowance
  • $0Trading account assets
  • $2,620Bank premises and fixed assets
  • $657Other real estate owned
  • $896Goodwill and other intangibles
  • $137,370Life insurance assets
  • $5,205All other assets
  • $124,500Total liabilities and capital
  • $122,704Total liabilities
  • $100,697Total deposits
  • $122,704Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,796Subordinated debt
  • $12,870All other liabilities
  • $12,870Total equity capital
  • $12,870Total bank equity capital
  • $0Perpetual preferred stock
  • $101Common stock
  • $10,179Surplus
  • $2,590Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,128Income earned, not collected on loans
  • $0Earning assets
  • $957Long-term assets (5+ years)
  • $123,759Average Assets, year-to-date
  • $84,508Average Assets, quarterly
  • $132,865Volatile liabilities
  • $134,367Insider loans
  • $85,732FHLB advances
  • $132,903Loans and leases held for sale
  • $2,621Unused loan commitments
  • $1,557Tier 1 (core) risk-based capital
  • $11,178Tier 2 risk-based capital
  • $1,064Total risk weighted assets
  • $0Total unused commitments
  • $13,432Restructured Loans and leases
  • $1,812Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,007Total interest income
  • $1,089Total interest expense
  • $4,918Net interest income
  • $350Provision for loan and lease losses
  • $1,087Total noninterest income
  • $0Fiduciary activities
  • $487Service charges on deposit accounts
  • $0Trading account gains & fees
  • $600Additional noninterest income
  • $4,606Total noninterest expense
  • $2,212Salaries and employee benefits
  • $523Premises and equipment expense
  • $1,871Additional noninterest expense
  • $1,049Pre-tax net operating income
  • $141Securities gains (losses)
  • $175Applicable income taxes
  • $1,015Income before extraordinary items
  • $10Extraordinary gains - net
  • $1,025Net income attributable to bank
  • $0Net charge-offs
  • $1,025Cash dividends
  • $350Sale, conversion, retirement of capital stock, net
  • $232Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.02%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 4.11%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 3.85%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 8.41%Return on equity (ROE)
  • 6.50%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 4.00%Efficiency ratio
  • 75,754Assets per employee
  • 3.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.63%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 81.47%Noncurrent assets plus other real estate owned to assets
  • 1.30%Noncurrent loans to loans
  • 1.57%Net loans and leases to deposits
  • 57.95%Net loans and leases to core deposits
  • 61.28%Equity capital to assets
  • 9.37%Core capital (leverage) ratio
  • 8.41%Tier 1 risk-based capital ratio
  • 13.04%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $132,865Average earning assets
  • $12,191Average equity
  • $119,609Average 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
  • $1,588Managed Assets
  • 1Number of Accounts
  • $204Personal trust and agency accounts
  • $204Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 8Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,384Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,384Fiduciary accounts held in foreign offices

List of branches

  • 6 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09858Hoosier Heartland State Bank1400 Darlington Avenue, Crawfordsville, IN 47933December 01, 1899Full Service Brick and Mortar
    4490675Linden Branch100 North Meridan St, Linden, IN 47955April 17, 2009Full Service Brick and Mortar
    56708Farmers State Bank BranchMain Street, New Ross, IN 47968January 01, 1920Full Service Brick and Mortar
    6222444Ladoga BranchMain And Franklin Streets, Ladoga, IN 47954August 30, 1993Full Service Brick and Mortar
    7222445Roachdale BranchIndiana And Washington Streets, Roachdale, IN 46172October 10, 1995Full Service Brick and Mortar
    8222446Crawfordsville Branch1661 Us Hwy 231 S, Crawfordsville, IN 47933January 12, 1998Full Service Brick and Mortar

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