Heritage Bank
Spencer, WI — Non-member Bank
Active
Vitals
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Total Assets106.7M -1.3 %
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Total Deposits86.4M -2.8 %
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Total Net Loans76.1M 7.2 %
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Net Income776000.0000 1.0 %
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Book Value12.8M 4.3 %
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Book Value x225.6M 4.3 %
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Book Value x338.4M 4.3 %
Balance Sheet Highlights
| Financial Highlights | Heritage Bank | All Insured Commercial Banks in Wisconsin |
| Balance Sheet $(000) | ||
| Total Assets | 106,741 | 272,940 |
| Total Net Loans | 76,109 | 188,306 |
| Total Deposits | 86,409 | 228,985 |
| Total Equity | 12,815 | 30,879 |
| Profitability | ||
| Net Income | 776 | 3,013 |
| Return on Average Assets | .744 | 1.04 |
| Return on Average Equity | 6.123 | 8.894 |
| Net Interest Margin | 3.562 | 3.727 |
| Efficiency Ratio | 65.681 | 64.939 |
| Noninterest Income/Revenue | 8.464 | 14.969 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 88.08 | 81.441 |
| Securities/Assets | .139 | .167 |
| Total Equity/Total Assets | .12 | .113 |
| Tangible Equity/Tangible Assets | .12 | .11 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 12,855 | 29,936 |
| Tier 1 Capital | 12,855 | 29,937 |
| Tier 2 Capital | 991 | 2,305 |
| Total Capital | 13,846 | 32,273 |
| Total Risk Weighted Assets | 79,013 | 202,263 |
| Leverage Ratio | 12.33 | 11.31 |
| Common Equity Tier 1 Capital Ratio | 16.27 | 15.769 |
| Tier 1 Capital Ratio | 16.27 | 15.771 |
| Total Capital Ratio | 17.52 | 16.923 |
Timeline for Heritage Bank
Spencer Bancorporation, Inc.
Spencer Bancorporation, Inc. became a new parent organization for Heritage Bank.
View Profile Jan 04 1982
Heritage Bank
Heritage Bank was established 116 years ago and is currently headquartered in Spencer, WI.
Jun 13 1908| Relationships | Role | Relationship Start | Relationship End |
| Spencer Bancorporation, Inc. | Parent | 3/24/2010 | |
| Spencer Bancorporation, Inc. | Parent | 6/22/2006 | 3/23/2010 |
| Spencer Bancorporation, Inc. | Parent | 12/31/1983 | 6/21/2006 |
| Spencer Bancorporation, Inc. | Parent | 1/4/1982 | 12/30/1983 |
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