Vitals
  • Total Assets
    13.9M
  • Total Deposits
    11.5M
  • Total Net Loans
    8.4M
  • Net Income
    13000.0000
  • Book Value
    2.4M
  • Book Value x2
    4.7M
  • Book Value x3
    7.1M
ROAA

.37

ROAE

2.203

Efficiency Ratio

92.025

Net Interest Margin

5

Balance Sheet Highlights
Financial Highlights Heritage Bank & Trust Company All Insured Commercial Banks in Indiana
Balance Sheet $(000)
Total Assets 13,875 266,270
Total Net Loans 8,410 175,418
Total Deposits 11,474 205,970
Total Equity 2,365 25,927
Profitability
Net Income 13 914
Return on Average Assets .37 1.101
Return on Average Equity 2.203 10.896
Net Interest Margin 5 4.061
Efficiency Ratio 92.025 62.69
Noninterest Income/Revenue 6.25 22.516
Balance Sheet Ratios
Loan-to-Deposit 73.296 82.082
Securities/Assets .182 .508
Total Equity/Total Assets .17 .097
Tangible Equity/Tangible Assets .114 -.103
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 1,564 23,701
Tier 2 Capital 104 2,152
Total Capital 1,668 26,003
Total Risk Weighted Assets 8,218 181,888
Leverage Ratio 11.8 9.73
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 19.03 14.865
Total Capital Ratio 20.3 16.082

Timeline for Heritage Bank & Trust Company

The Fountain Trust Company

Heritage Bank & Trust Company was acquired by The Fountain Trust Company 21 years

View Profile Apr 05 2003

Piper Holdings, Inc.

Piper Holdings, Inc. became a new parent organization for Heritage Bank & Trust Company.

View Profile Oct 31 2002

Heritage Bancshares, Inc.

Heritage Bancshares, Inc. became a new parent organization for Heritage Bank & Trust Company.

View Profile Sep 10 1985

Heritage Bank & Trust Company

Heritage Bank & Trust Company was established 117 years ago and is currently headquartered in Darlington, IN.

Nov 20 1906
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Fountain Trust Company Buyer 289,874 Pooling of Interests Discontinued 4/5/2003
Relationships Role Relationship Start Relationship End
Piper Holdings, Inc. Parent 10/31/2002 4/4/2003
Heritage Bancshares, Inc. Parent 4/1/2002 10/30/2002
Heritage Bancshares, Inc. Parent 4/22/1992 3/31/2002
Heritage Bancshares, Inc. Parent 9/10/1985 4/21/1992
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