Heritage Community Bank in Columbus, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 18, 2005

  • Heritage Community Bank in Columbus, Indiana (IN)
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Heritage Community Bank - Overview

  • General
  • FDIC Certificate #: 9088
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Financial Bank, National Association (#6600)
    Federal Reserve ID: 8547
    Date Established: October 16, 1933
    WWW: http://www.heritagecb.com
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 13 (Interstate: No)
    FDIC's unique #: 5819
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 18, 2005
    Last Structure Change Process Date: March 24, 2005
    Last Data Update: March 24, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 426 Washington Street, Columbus, IN 47201
    County: Bartholomew
    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): Columbus, IN (#18020)
    CBSA Metro Statistical Area: Columbus, IN (#18020)
  • Financial Summary
  • Total assets: $254.3 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
  • 108Total employees (full-time equivalent)
  • $254,329Total assets
  • $9,666Cash and due from depository institutions
  • $495Interest-bearing balances
  • $32,336Securities
  • $5,524Federal funds sold & reverse repurchase agreements
  • $182,872Net loans & leases
  • $3,592Loan loss allowance
  • $0Trading account assets
  • $2,690Bank premises and fixed assets
  • $101Other real estate owned
  • $7,540Goodwill and other intangibles
  • $0Life insurance assets
  • $13,600All other assets
  • $254,329Total liabilities and capital
  • $219,427Total liabilities
  • $190,859Total deposits
  • $168,899Interest-bearing deposits
  • $190,859Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $295Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $25,000Other borrowed funds
  • $0Subordinated debt
  • $3,273All other liabilities
  • $34,902Total equity capital
  • $34,902Total bank equity capital
  • $34,902Perpetual preferred stock
  • $0Common stock
  • $350Surplus
  • $22,321Undivided profits
  • Memoranda
  • $12,231Noncurrent loans and leases
  • $20,011Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,455Earning assets
  • $0Long-term assets (5+ years)
  • $1,315Average Assets, year-to-date
  • $221,227Average Assets, quarterly
  • $105,107Volatile liabilities
  • $259,390Insider loans
  • $256,440FHLB advances
  • $20,144Loans and leases held for sale
  • $171Unused loan commitments
  • $25,000Tier 1 (core) risk-based capital
  • $411Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $20,011Total unused commitments
  • $0Restructured Loans and leases
  • $2,281Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $14,356Total interest income
  • $3,868Total interest expense
  • $10,488Net interest income
  • $498Provision for loan and lease losses
  • $4,764Total noninterest income
  • $18Fiduciary activities
  • $1,235Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,511Additional noninterest income
  • $13,489Total noninterest expense
  • $7,247Salaries and employee benefits
  • $1,230Premises and equipment expense
  • $5,012Additional noninterest expense
  • $1,265Pre-tax net operating income
  • $0Securities gains (losses)
  • $286Applicable income taxes
  • $979Income before extraordinary items
  • $0Extraordinary gains - net
  • $979Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $670Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.32%Yield on earning assets
  • 1.70%Cost of funding earning assets
  • 4.61%Net interest margin
  • 2.10%Noninterest income to earning assets
  • 5.93%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.38%Return on assets (ROA)
  • 0.49%Pretax return on assets
  • 2.78%Return on equity (ROE)
  • 1.64%Retained earnings to average equity (YTD only)
  • 0.35%Net charge-offs to loans
  • 74.33%Credit loss provision to net charge-offs
  • 2.63%Efficiency ratio
  • 86,074Assets per employee
  • 2.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.86%Loss allowance to loans
  • 1.93%Loss allowance to noncurrent loans
  • 146.31%Noncurrent assets plus other real estate owned to assets
  • 1.00%Noncurrent loans to loans
  • 1.32%Net loans and leases to deposits
  • 95.82%Net loans and leases to core deposits
  • 105.70%Equity capital to assets
  • 13.72%Core capital (leverage) ratio
  • 11.04%Tier 1 risk-based capital ratio
  • 15.31%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $259,390Average earning assets
  • $35,269Average equity
  • $227,295Average 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
  • $4,047Managed Assets
  • 1Number of Accounts
  • $3,849Personal trust and agency accounts
  • $3,849Employee 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
  • 23Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $198Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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