Heritage Bank in Hopkinsville, Kentucky (KY), TN
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Heritage Bank in Hopkinsville, Kentucky (KY), TN
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Heritage Bank - Overview

  • General
  • FDIC Certificate #: 30090
    Status: Active
    Federal Reserve ID: 986672
    Date Established: January 01, 1879
    WWW: http://www.bankwithheritage.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 18 (Domestic: 18, Interstate: Yes)
    OTS Docket #: 4727
    FDIC's unique #: 42924
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 21, 1940
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 4155 Lafayette Rd, Hopkinsville, KY 42240
    County: Christian
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Clarksville-Hopkinsville, TN-KY (#1660)
    Core Based Statistical Area (CBSA): Clarksville, TN-KY (#17300)
    CBSA Metro Statistical Area: Clarksville, TN-KY (#17300)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $1,022.4 mil
    Equity capital: $111.9 mil
    Deposits held in domestic offices: $800.2 mil
    Return on assets (ROA): 0.36% ($3.7 mil)
    Quarterly return on assets: 1.02% ($10.4 mil)
    Return on Equity (ROE): 3.59% ($4.0 mil)
    Quarterly return on equity: 9.58% ($10.7 mil)
    Net income: $3.8 mil
    Quarterly Net income: $2.6 mil
    Pretax return on assets: 0.45% ($4,600.7 mil)
    Quarterly Pretax return on assets: 1.11% ($11,348.4 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
  • 258Total employees (full-time equivalent)
  • $1,022,379Total assets
  • $31,258Cash and due from depository institutions
  • $4,371Interest-bearing balances
  • $384,206Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $556,048Net loans & leases
  • $7,182Loan loss allowance
  • $0Trading account assets
  • $23,431Bank premises and fixed assets
  • $2,259Other real estate owned
  • $519Goodwill and other intangibles
  • $1,022,379Life insurance assets
  • $24,658All other assets
  • $910,465Total liabilities and capital
  • $800,249Total liabilities
  • $720,675Total deposits
  • $800,249Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 43080.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $63,319Trading liabilities
  • $0Other borrowed funds
  • $3,817Subordinated debt
  • $111,914All other liabilities
  • $111,914Total equity capital
  • $111,914Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $57,750Surplus
  • $54,163Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,129Income earned, not collected on loans
  • $0Earning assets
  • $6,183Long-term assets (5+ years)
  • $944,625Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $1,043,340Volatile liabilities
  • $1,030,271Insider loans
  • $625,799FHLB advances
  • $1,013,638Loans and leases held for sale
  • $9,135Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $103,173Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $119,243Restructured Loans and leases
  • $23,152Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $46,348Total interest income
  • $17,672Total interest expense
  • $28,676Net interest income
  • $5,575Provision for loan and lease losses
  • $7,059Total noninterest income
  • $0Fiduciary activities
  • $3,813Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,246Additional noninterest income
  • $28,400Total noninterest expense
  • $13,064Salaries and employee benefits
  • $5,915Premises and equipment expense
  • $9,421Additional noninterest expense
  • $1,760Pre-tax net operating income
  • $2,897Securities gains (losses)
  • $886Applicable income taxes
  • $3,771Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,771Net income attributable to bank
  • $0Net charge-offs
  • $3,771Cash dividends
  • $4,040Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.86%Yield on earning assets
  • 1.85%Cost of funding earning assets
  • 3.01%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 2.98%Noninterest expense to earning assets
  • 0.14%Net operating income to assets
  • 0.36%Return on assets (ROA)
  • 0.45%Pretax return on assets
  • 3.59%Return on equity (ROE)
  • 3.59%Retained earnings to average equity (YTD only)
  • 0.69%Net charge-offs to loans
  • 138.00%Credit loss provision to net charge-offs
  • 1.82%Efficiency ratio
  • 78,657Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 117.18%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 1.09%Net loans and leases to deposits
  • 69.48%Net loans and leases to core deposits
  • 89.16%Equity capital to assets
  • 10.95%Core capital (leverage) ratio
  • 10.18%Tier 1 risk-based capital ratio
  • 16.49%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $1,043,340Average earning assets
  • $104,972Average equity
  • $953,741Average loans

List of branches

  • 11 Kentucky Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042924Heritage Bank4155 Lafayette Rd, Hopkinsville, KY 42240January 01, 1879Full Service Brick and Mortar
    1278649Main Street Branch210 North 12th Street, Murray, KY 42071January 01, 1879Full Service Brick and Mortar
    2278650Main Street Branch605 S Virginia St, Hopkinsville, KY 42240January 01, 1879Full Service Brick and Mortar
    3278651Main Street Branch352 East Main St, Cadiz, KY 42211January 01, 1879Full Service Brick and Mortar
    4278652Hopkinsville St BranchHopkinsville Street, Elkton, KY 42220January 01, 1879Full Service Brick and Mortar
    5364190Benton Branch105 West Fifth Street, Benton, KY 42025March 12, 2001Full Service Brick and Mortar
    6428797Calvert City Branch35 Oak Plaza Drive, Calvert City, KY 42029December 15, 2003Full Service Brick and Mortar
    71782Fulton Branch306 Lake Street, Fulton, KY 42041March 19, 1902Full Service Brick and Mortar
    8194057Carr Plaza Branch607 Highland Drive, Fulton, KY 42041December 29, 1977Full Service Brick and Mortar
    10464101Hopkinsville Blvd Branch2700 Fort Campbell Blvd, Hopkinsville, KY 42240June 20, 2007Full Service Brick and Mortar
    15492407Murray Branch1601 North 12th Street, Murray, KY 42071November 08, 2007Full Service Brick and Mortar
  • 7 Tennessee Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    11464102Cumberland Street Branch108 Cumberland Street, Ashland City, TN 37015June 20, 2007Full Service Brick and Mortar
    12464103Kingston Spring Road Branch104 West Kingston Spring Road, Kingston Springs, TN 37082June 20, 2007Full Service Brick and Mortar
    13464104Highway 49 Branch2556 Highway 49 East, Pleasant View, TN 37146March 20, 2007Full Service Brick and Mortar
    14464105Erin Branch3711 West Main Street, Erin, TN 37061June 20, 2007Full Service Brick and Mortar
    16495220Clarksville 1 Branch322 Main St., Clarksville, TN 37042May 01, 2007Full Service Brick and Mortar
    17495221Clarksville 2 Branch2185 Madison St., Clarksville, TN 37043May 01, 2007Full Service Brick and Mortar
    18495234Clarksville 3 Branch3845 Trenton Rd, Clarksville, TN 37040May 01, 2007Full Service Brick and Mortar

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