Heartland Bank and Trust Company in Bloomington, Illinois (IL), MO
Overview, Financial Summary, Detailed Financial Reports, Branches


Heartland Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 20369
    Status: Active
    Federal Reserve ID: 426534
    Bank Holding Company (Regulatory Top Holder): Heartland Bancorp, Inc. (RSSDID: 1208120, Location: Bloomington, IL)
    Date Established: Febuary 22, 1971
    WWW: http://www.hbtbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 49 (Domestic: 49, Interstate: Yes)
    OTS Docket #: 11128
    FDIC's unique #: 14032
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 22, 1971
    Last Structure Change Effective Date: August 05, 2011
    Last Structure Change Process Date: August 08, 2011
    Last Data Update: August 08, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 North Hershey Road, Bloomington, IL 61702
    County: Mclean
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Bloomington-Normal, IL (#1040)
    Core Based Statistical Area (CBSA): Bloomington-Normal, IL (#14060)
    CBSA Metro Statistical Area: Bloomington-Normal, IL (#14060)
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $1,943.8 mil
    Equity capital: $251.7 mil
    Deposits held in domestic offices: $1,632.9 mil
    Return on assets (ROA): 2.70% ($52.5 mil)
    Quarterly return on assets: 0.41% ($8.0 mil)
    Return on Equity (ROE): 22.93% ($57.8 mil)
    Quarterly return on equity: 3.14% ($7.9 mil)
    Net income: $48.4 mil
    Quarterly Net income: $2.0 mil
    Pretax return on assets: 2.73% ($53,066.1 mil)
    Quarterly Pretax return on assets: 0.43% ($8,358.4 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
  • 491Total employees (full-time equivalent)
  • $1,943,815Total assets
  • $120,748Cash and due from depository institutions
  • $78,020Interest-bearing balances
  • $417,198Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,267,016Net loans & leases
  • $22,507Loan loss allowance
  • $0Trading account assets
  • $44,443Bank premises and fixed assets
  • $13,940Other real estate owned
  • $35,250Goodwill and other intangibles
  • $1,943,815Life insurance assets
  • $45,220All other assets
  • $1,692,110Total liabilities and capital
  • $1,632,899Total liabilities
  • $1,432,238Total deposits
  • $1,632,899Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 22508.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,745Trading liabilities
  • $0Other borrowed funds
  • $23,958Subordinated debt
  • $251,705All other liabilities
  • $251,705Total equity capital
  • $251,705Total bank equity capital
  • $0Perpetual preferred stock
  • $5,000Common stock
  • $67,500Surplus
  • $179,205Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $12,725Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $74,301Income earned, not collected on loans
  • $2,311Earning assets
  • $10,232Long-term assets (5+ years)
  • $1,762,234Average Assets, year-to-date
  • $676,546Average Assets, quarterly
  • $1,791,200Volatile liabilities
  • $1,929,363Insider loans
  • $1,225,465FHLB advances
  • $1,904,548Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $193,228Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $165,686Restructured Loans and leases
  • $70Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $86,040Total interest income
  • $10,374Total interest expense
  • $75,666Net interest income
  • $11,277Provision for loan and lease losses
  • $39,498Total noninterest income
  • $2,422Fiduciary activities
  • $7,515Service charges on deposit accounts
  • $0Trading account gains & fees
  • $29,561Additional noninterest income
  • $54,956Total noninterest expense
  • $27,511Salaries and employee benefits
  • $6,883Premises and equipment expense
  • $20,562Additional noninterest expense
  • $48,931Pre-tax net operating income
  • -$14Securities gains (losses)
  • $494Applicable income taxes
  • $48,423Income before extraordinary items
  • $0Extraordinary gains - net
  • $48,423Net income attributable to bank
  • $0Net charge-offs
  • $48,423Cash dividends
  • $10,641Sale, conversion, retirement of capital stock, net
  • $19,600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.31%Yield on earning assets
  • 0.64%Cost of funding earning assets
  • 4.67%Net interest margin
  • 2.44%Noninterest income to earning assets
  • 3.39%Noninterest expense to earning assets
  • 2.70%Net operating income to assets
  • 2.70%Return on assets (ROA)
  • 2.73%Pretax return on assets
  • 22.93%Return on equity (ROE)
  • 13.65%Retained earnings to average equity (YTD only)
  • 0.84%Net charge-offs to loans
  • 105.98%Credit loss provision to net charge-offs
  • 5.66%Efficiency ratio
  • 46,570Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.48%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 30.29%Noncurrent assets plus other real estate owned to assets
  • 4.54%Noncurrent loans to loans
  • 5.76%Net loans and leases to deposits
  • 77.59%Net loans and leases to core deposits
  • 79.72%Equity capital to assets
  • 12.95%Core capital (leverage) ratio
  • 10.15%Tier 1 risk-based capital ratio
  • 15.77%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $1,791,200Average earning assets
  • $211,200Average equity
  • $1,619,848Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $692,452Managed Assets
  • 1Number of Accounts
  • $518,061Personal trust and agency accounts
  • $466,153Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,349Other retirement accounts
  • $7,462Corporate trust and agency accounts
  • $88Investment management agency accounts
  • $26,156Other fiduciary accounts
  • $12,770Fiduciary accounts held in foreign offices
  • $3,083Non-managed Assets
  • 1205Number of Accounts
  • $0Personal trust and agency accounts
  • $7,462Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $174,391Other retirement accounts
  • $48,401Corporate trust and agency accounts
  • $5,395Other fiduciary accounts
  • $54,326Fiduciary accounts held in foreign offices

List of branches

  • 46 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014032Heartland Bank And Trust Company401 North Hershey Road, Bloomington, IL 61702Febuary 22, 1971Full Service Brick and Mortar
    1250832Carlock Branch207 West Washington Street, Carlock, IL 61725July 21, 1992Full Service Brick and Mortar
    3939099 North Elm Street Branch99 North Elm Street, El Paso, IL 61738September 02, 1900Full Service Brick and Mortar
    4232706Fayette Street Branch45 North Fayette Street, El Paso, IL 61738January 14, 1997Full Service Brick and Mortar
    52395130 North Church Street Branch130 North Church Street, Gibson City, IL 60936January 01, 1900Full Service Brick and Mortar
    7250834Main Street Bloomington Branch205 North Main Street, Bloomington, IL 61702April 01, 1997Full Service Brick and Mortar
    8596108 North Main Street Branch108 North Main Street, Eureka, IL 61530October 01, 1882Full Service Brick and Mortar
    9186663Motor Facility202 West Center Street, Eureka, IL 61530November 01, 1971Limited Service Facility
    10612130 South Main Street Branch130 South Main Street, Washington, IL 61571January 01, 1858Full Service Brick and Mortar
    11186697The First's Place Facility100 South Cummings Lane, Washington, IL 61571December 18, 1979Full Service Brick and Mortar
    1514024First State Pekin Branch3400 Court Street, Pekin, IL 61554Febuary 09, 1971Full Service Brick and Mortar
    16360043Pekin Broadway Branch2807 Broadway, Pekin, IL 61554January 04, 1999Full Service Brick and Mortar
    1711006Bank Of Chenoa/Branch801 E. Cemetery Avenue, Chenoa, IL 61726August 01, 1950Full Service Brick and Mortar
    19363204Normal Branch1725 Fort Jesse Road, Normal, IL 61761July 12, 2001Full Service Brick and Mortar
    20419360Peoria Branch7815 North Knoxville Avenue, Peoria, IL 61614June 07, 2003Full Service Brick and Mortar
    21428794Metamora Branch379 Old Germantown Road, Metamora, IL 61548June 03, 2004Full Service Brick and Mortar
    22428795Market Street Branch2231 West Market Street, Bloomington, IL 61704June 10, 2004Full Service Brick and Mortar
    24429668Springfield Road Branch2101 West Springfield Road, Champaign, IL 61821June 21, 2004Full Service Brick and Mortar
    25437227Technology Plaza Branch212 South West Adams Street, Peoria, IL 61602January 24, 2005Full Service Brick and Mortar
    26442345Windsor Office Branch1101 W Windsor Road, Champaign, IL 61821June 15, 2001Full Service Brick and Mortar
    27444112Illinois Wesleyan University Seasona302 East Emerson Street, Bloomington, IL 61701August 23, 2005Limited Service Mobile
    28452992West War Memorial Branch3501 West War Memorial Drive, Peoria, IL 61615July 17, 2006Full Service Brick and Mortar
    29453828Allen Road Branch9010 N. Allen Road, Peoria, IL 61615August 15, 2005Full Service Brick and Mortar
    30462322East Oakland Avenue Branch2111 East Oakland Avenue, Suite A, Bloomington, IL 61701April 09, 2007Full Service Brick and Mortar
    31463132Lexington Branch401 West Main Street, Lexington, IL 61753May 14, 2007Full Service Brick and Mortar
    32463206South Main Street Branch1821 South Main Street, Eureka, IL 61530May 21, 2007Full Service Brick and Mortar
    34280324418 Locust St Branch418 Locust Street, Delavan, IL 61734January 01, 1919Full Service Brick and Mortar
    3542587116 S Main St Branch116 South Main Street, Mackinaw, IL 61755January 01, 1911Full Service Brick and Mortar
    37280325105 N. Menard Branch105 N. Menard, Metamora, IL 61548January 01, 1919Full Service Brick and Mortar
    42468636Vine Street Branch602 South Vine Street, Urbana, IL 61801October 16, 2007Full Service Brick and Mortar
    4342079109 East Depot Street Colchester Bra109 East Depot Street, Colchester, IL 62326January 01, 1917Full Service Brick and Mortar
    442739952001 Maine Street Branch2001 Maine Street, Quincy, IL 62301January 01, 1917Full Service Brick and Mortar
    45273997430 W Jackson St Branch430 West Jackson Street, Macomb, IL 61455January 01, 1917Full Service Brick and Mortar
    4640496190 E Hurst Branch190 East Hurst, Bushnell, IL 61422January 01, 1911Full Service Brick and Mortar
    47273998Quincy Branch101 N. 36th Street, Quincy, IL 62301Febuary 01, 1994Full Service Brick and Mortar
    51445991Quincy Branch106 North 36th Street, Quincy, IL 62301May 01, 2005Full Service Brick and Mortar
    52489802Morton Main Street Facility223 South Main Street, Morton, IL 61550Febuary 27, 2009Limited Service Facility
    53490667Philo Road Branch1812 South Philo Road, Urbana, IL 61802May 11, 2009Full Service Brick and Mortar
    54491471Courtland Street Morton Il Branch179 East Courtland Street, Morton, IL 61550June 08, 2009Full Service Brick and Mortar
    555928Bank Of Illinois Branch200 West College Avenue, Normal, IL 61761January 01, 1914Full Service Brick and Mortar
    57511677Macomb East Branch1700 East Jackson Street, Macomb, IL 61455August 20, 2010Full Service Brick and Mortar
    586450Western Springs National Bank Branch4456 Wolf Road, Western Springs, IL 60558January 01, 1916Full Service Brick and Mortar
    59221799Countryside Branch6575 Joliet Road, Countryside, IL 60525August 16, 1999Full Service Brick and Mortar
    6015793Bank Of Shorewood Branch700 West Jefferson Street, Shorewood, IL 60431April 24, 1978Full Service Brick and Mortar
    61361229Plainfield Branch5650 Canton Farm Road, Plainfield, IL 60586June 14, 1999Full Service Brick and Mortar
    62466808Bank Of Elwood - A Branch Of Bank Of430 East Mississippi Ave, Elwood, IL 60421May 29, 2007Full Service Retail
  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4842766Palmyra Savings Branch123 West Lafayette, Palmyra, MO 63461January 01, 1887Full Service Brick and Mortar
    49277788Washington Street Branch600 Washington Street, Canton, MO 63435January 01, 1887Full Service Brick and Mortar
    50445990Kahoka Branch180 South Johnson Street, Kahoka, MO 63445June 30, 2003Full Service Brick and Mortar

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