Vitals
  • Total Assets
    82.8M -10.5 %
  • Total Deposits
    72.2M -12.7 %
  • Total Net Loans
    54.4M -13.2 %
  • Net Income
  • Book Value
    4.5M 21.1 %
  • Book Value x2
    9.1M 21.1 %
  • Book Value x3
    13.6M 21.1 %
ROAA

ROAE

Efficiency Ratio

102.737

Net Interest Margin

3.829

Balance Sheet Highlights
Financial Highlights Heritage Bank Of Ashland, Inc. All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 82,779 153,598
Total Net Loans 54,374 102,877
Total Deposits 72,175 123,727
Total Equity 4,530 16,093
Profitability
Net Income — 992
Return on Average Assets — 1.239
Return on Average Equity — 12.009
Net Interest Margin 3.829 4.128
Efficiency Ratio 102.737 64.995
Noninterest Income/Revenue 11.053 11.891
Balance Sheet Ratios
Loan-to-Deposit 75.336 79.662
Securities/Assets .222 .383
Total Equity/Total Assets .055 .105
Tangible Equity/Tangible Assets .055 .043
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 4,840 15,631
Tier 2 Capital 722 1,163
Total Capital 5,562 16,792
Total Risk Weighted Assets 56,298 104,345
Leverage Ratio 5.84 10.694
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 8.6 16.705
Total Capital Ratio 9.88 17.84

Timeline for Heritage Bank Of Ashland, Inc.

Citizens Bank Of Kentucky, Inc.

Heritage Bank Of Ashland, Inc. was acquired by Citizens Bank Of Kentucky, Inc. 17 years

View Profile Jun 24 2006

Citizens National Corporation

Citizens National Corporation became a new parent organization for Heritage Bank Of Ashland, Inc..

View Profile Jun 15 2006

Town & Country Financial, Inc.

Town & Country Financial, Inc. became a new parent organization for Heritage Bank Of Ashland, Inc..

View Profile Dec 30 2005

Independent Community Bancorp, Inc.

Independent Community Bancorp, Inc. became a new parent organization for Heritage Bank Of Ashland, Inc..

View Profile Dec 30 2005

Peoples Bank

Peoples Bank became a new parent organization for Heritage Bank Of Ashland, Inc..

View Profile Dec 02 2005

Want to see more?

Complete timeline for Heritage Bank Of Ashland, Inc. is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Citizens Bank Of Kentucky, Inc. Buyer 593,277 Pooling of Interests Discontinued 6/24/2006
Relationships Role Relationship Start Relationship End
Citizens National Corporation Parent 6/15/2006 6/23/2006
Peoples Bank Parent 12/30/2005 6/14/2006
The Farmers National Bank Of Cynthiana Parent 12/30/2005 6/14/2006
Bank Of Ohio County, Inc. Parent 12/30/2005 6/14/2006
Town & Country Financial, Inc. Parent 12/30/2005 6/14/2006
The Bankers' Bank Of Kentucky, Inc. Parent 12/30/2005 6/14/2006
Independent Community Bancorp, Inc. Parent 12/30/2005 6/14/2006
The Bank Of Kentucky, Inc. Parent 12/30/2005 6/14/2006
Peoples Bank Parent 12/2/2005 12/29/2005
The Farmers National Bank Of Cynthiana Parent 12/2/2005 12/29/2005
Bank Of Ohio County, Inc. Parent 12/2/2005 12/29/2005
The Bankers' Bank Of Kentucky, Inc. Parent 12/2/2005 12/29/2005
The Bank Of Kentucky, Inc. Parent 12/2/2005 12/29/2005
Heritage Capital Corporation Parent 5/6/1998 12/1/2005
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