Heartland Bank and Trust Company in Bloomington, Illinois (IL), MO



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Heartland Bank and Trust Company routing number info

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Heartland Bank and Trust Company
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in FDIC Assisted Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)491
Total assets$1,943,815
Cash and due from depository institutions$120,748
Interest-bearing balances$78,020
Securities$417,198
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$1,267,016
Loan loss allowance $22,507
Trading account assets$0
Bank premises and fixed assets$44,443
Other real estate owned$13,940
Goodwill and other intangibles$35,250
All other assets$45,220
Life insurance assets$1,943,815
Total liabilities and capital$1,692,110
Total liabilities$1,632,899
Total deposits$1,432,238
Interest-bearing deposits$1,632,899
Deposits held in domestic offices$89
% insured (estimated)22508.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$12,745
Other borrowed funds $0
Subordinated debt $23,958
All other liabilities $251,705
Total equity capital$251,705
Total bank equity capital$251,705
Perpetual preferred stock$0
Common stock$5,000
Surplus$67,500
Undivided profits $179,205
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $12,725
Income earned, not collected on loans $74,301
Earning assets $2,311
Long-term assets (5+ years) $10,232
Average Assets, year-to-date $1,762,234
Average Assets, quarterly $676,546
Volatile liabilities $1,791,200
Insider loans $1,929,363
FHLB advances $1,225,465
Loans and leases held for sale $1,904,548
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $193,228
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $165,686
Derivatives$70
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $86,040
Total interest expense $10,374
Net interest income $75,666
Provision for loan and lease losses $11,277
Total noninterest income $39,498
Fiduciary activities $2,422
Service charges on deposit accounts $7,515
Trading account gains & fees $0
Additional noninterest income $29,561
Total noninterest expense $54,956
Salaries and employee benefits $27,511
Premises and equipment expense $6,883
Additional noninterest expense $20,562
Pre-tax net operating income $48,931
Securities gains (losses) -$14
Applicable income taxes $494
Income before extraordinary items $48,423
Extraordinary gains - net $0
Net income attributable to bank $48,423
Net charge-offs $0
Cash dividends $48,423
Sale, conversion, retirement of capital stock, net $10,641
Net operating income $19,600
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.31%
Cost of funding earning assets 0.64%
Net interest margin 4.67%
Noninterest income to earning assets 2.44%
Noninterest expense to earning assets 3.39%
Net operating income to assets 2.70%
Return on assets (ROA) 2.70%
Pretax return on assets 2.73%
Return on equity (ROE) 22.93%
Retained earnings to average equity (YTD only) 13.65%
Net charge-offs to loans 0.84%
Credit loss provision to net charge-offs 105.98%
Efficiency ratio5.66%
Assets per employee$46,570
Cash dividends to net income (YTD only)3.96%
Condition Ratios (%)
Loss allowance to loans 40.48%
Loss allowance to noncurrent loans 1.75%
Noncurrent assets plus other real estate owned to assets 30.29%
Noncurrent loans to loans 4.54%
Net loans and leases to deposits5.76%
Net loans and leases to core deposits 77.59%
Equity capital to assets 79.72%
Core capital (leverage) ratio 12.95%
Tier 1 risk-based capital ratio 10.15%
Total risk-based capital ratio 15.77%
Memoranda
Average assets$17
Average earning assets$1,791,200
Average equity $211,200
Average loans $1,619,848
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$692,452
Number of Accounts1
Personal trust and agency accounts$518,061
Employee benefit-defined contribution accounts$466,153
Employee benefit-defined benefit accounts$0
Other retirement accounts$2,349
Corporate trust and agency accounts$7,462
Investment management agency accounts$88
Other fiduciary accounts$26,156
Fiduciary accounts held in foreign offices$12,770
Non-managed Assets$3,083
Number of Accounts1205
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$7,462
Employee benefit-defined benefit accounts$0
Other retirement accounts$174,391
Corporate trust and agency accounts$48,401
Other fiduciary accounts$5,395
Fiduciary accounts held in foreign offices$54,326
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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
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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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