FDIC Certificate #: 12461 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Heartland Bank (#1361) Federal Reserve ID: 1016754 Date Established: May 05, 1905 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 7933 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 28, 2006 Last Structure Change Process Date: Febuary 12, 2007 Last Data Update: Febuary 12, 2007 Data Source Date: April 05, 2012
Location
Address: Old Vienna Road And Highway 63 South, Freeburg, MO 65035 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)
Financial Summary
Total assets: $36.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
8Total employees (full-time equivalent)
$37,445Total assets
$966Cash and due from depository institutions
$0Interest-bearing balances
$15,385Securities
$1,918Federal funds sold & reverse repurchase agreements
$18,807Net loans & leases
$172Loan loss allowance
$0Trading account assets
$186Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$183All other assets
$37,445Total liabilities and capital
$32,447Total liabilities
$32,308Total deposits
$24,413Interest-bearing deposits
$32,308Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$139All other liabilities
$4,998Total equity capital
$4,998Total bank equity capital
$4,998Perpetual preferred stock
$0Common stock
$120Surplus
$140Undivided profits
Memoranda
$4,738Noncurrent loans and leases
$713Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$30Earning assets
$0Long-term assets (5+ years)
$183Average Assets, year-to-date
$36,110Average Assets, quarterly
$143Volatile liabilities
$37,520Insider loans
$37,534FHLB advances
$2,606Loans and leases held for sale
$120Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$713Total unused commitments
$0Restructured Loans and leases
$172Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$1,747Total interest income
$565Total interest expense
$1,182Net interest income
$0Provision for loan and lease losses
$57Total noninterest income
$0Fiduciary activities
$19Service charges on deposit accounts
$0Trading account gains & fees
$38Additional noninterest income
$648Total noninterest expense
$348Salaries and employee benefits
$99Premises and equipment expense
$201Additional noninterest expense
$591Pre-tax net operating income
$0Securities gains (losses)
$200Applicable income taxes
$391Income before extraordinary items
$0Extraordinary gains - net
$391Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$150Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.84%Yield on earning assets
1.57%Cost of funding earning assets
3.28%Net interest margin
0.16%Noninterest income to earning assets
1.80%Noninterest expense to earning assets
1.04%Net operating income to assets
1.04%Return on assets (ROA)
1.58%Pretax return on assets
7.95%Return on equity (ROE)
4.90%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
52,300Assets per employee
4.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
38.36%Loss allowance to loans
0.91%Loss allowance to noncurrent loans
573.33%Noncurrent assets plus other real estate owned to assets
0.08%Noncurrent loans to loans
0.16%Net loans and leases to deposits
58.21%Net loans and leases to core deposits
63.32%Equity capital to assets
13.35%Core capital (leverage) ratio
13.24%Tier 1 risk-based capital ratio
28.78%Total risk-based capital ratio
Memoranda
$30Average assets
$37,520Average earning assets
$4,920Average equity
$36,077Average loans
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