Heart Federal Savings and Loan Association in Auburn, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 23, 1995

  • Heart Federal Savings and Loan Association in Auburn, California (CA)
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Heart Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 28598
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: U.S. Bank of California (#1304)
    Federal Reserve ID: 611974
    Date Established: January 01, 1926
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 1922
    FDIC's unique #: 41432
    Numeric code: 37
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: April 18, 1936
    Last Structure Change Effective Date: Febuary 23, 1995
    Last Structure Change Process Date: March 07, 1995
    Last Data Update: March 07, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 609 Lincoln Way, Auburn, CA 95603
    County: Placer
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Sacramento
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Sacramento, CA (#6920)
    Consolidated Metropolitan Statistical Area (CMSA): Sacramento-Yolo, CA (#82)
    Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472)
    Core Based Statistical Area (CBSA): Sacramento-Arden-Arcade-Roseville, CA (#40900)
    CBSA Metro Statistical Area: Sacramento-Arden-Arcade-Roseville, CA (#40900)
  • Financial Summary
  • Total assets: $102.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $3Total assets
  • $102,827Cash and due from depository institutions
  • $133Interest-bearing balances
  • $34Securities
  • $71,763Federal funds sold & reverse repurchase agreements
  • $2,425Net loans & leases
  • $24,266Loan loss allowance
  • $525Trading account assets
  • $0Bank premises and fixed assets
  • $1,440Other real estate owned
  • $24Goodwill and other intangibles
  • $2,776Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $102,827Total liabilities
  • $70,253Total deposits
  • $51,024Interest-bearing deposits
  • $51,024Deposits held in domestic offices
  • 51024.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $11,000Subordinated debt
  • $0All other liabilities
  • $8,229Total equity capital
  • $8,229Total bank equity capital
  • $32,574Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $32,336Undivided profits
  • Memoranda
  • $237Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,221Income earned, not collected on loans
  • $137Earning assets
  • $98,488Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $127,553Average Assets, quarterly
  • $107,075Volatile liabilities
  • $16,228Insider loans
  • $0FHLB advances
  • $11,000Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $33,160Total risk weighted assets
  • $40,012Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $7,484Total interest expense
  • $4,448Net interest income
  • $3,036Provision for loan and lease losses
  • $0Total noninterest income
  • $633Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $633Total noninterest expense
  • $1,643Salaries and employee benefits
  • $378Premises and equipment expense
  • $588Additional noninterest expense
  • $677Pre-tax net operating income
  • $2,026Securities gains (losses)
  • $0Applicable income taxes
  • $929Income before extraordinary items
  • $1,097Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,097Net charge-offs
  • $45Cash dividends
  • $250Sale, conversion, retirement of capital stock, net
  • $2,410Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.15%Cost of funding earning assets
  • 3.66%Net interest margin
  • 2.50%Noninterest income to earning assets
  • 0.52%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 1.59%Return on equity (ROE)
  • 3.32%Retained earnings to average equity (YTD only)
  • 2.56%Net charge-offs to loans
  • 0.17%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 44,781Assets per employee
  • 34.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.79%Loss allowance to loans
  • 2.12%Loss allowance to noncurrent loans
  • 43.00%Noncurrent assets plus other real estate owned to assets
  • 1.21%Noncurrent loans to loans
  • 4.93%Net loans and leases to deposits
  • 47.56%Net loans and leases to core deposits
  • 52.99%Equity capital to assets
  • 31.68%Core capital (leverage) ratio
  • 32.25%Tier 1 risk-based capital ratio
  • 82.88%Total risk-based capital ratio
  • Memoranda
  • $84Average assets
  • $127,553Average earning assets
  • $33,085Average equity
  • $121,668Average loans

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