Heritage Bank of Central Illinois in Trivoli, Illinois (IL)



Show street view No street view available for this location

Heritage Bank of Central Illinois routing number info

Table of contents:
Heritage Bank of Central Illinois
GeneralFDIC Certificate #: 12554
Status: Active
Federal Reserve ID: 181347
Bank Holding Company (Regulatory Top Holder): Trivoli Bancorp, Inc. (RSSDID: 1133848, Location: Trivoli, IL)
Date Established: April 20, 1920
WWW: http://www.heritage-bnk.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 13068
FDIC's unique #: 7984
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 615 North Trivoli Road, Trivoli, IL 61569
County: Peoria
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Princeton
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Peoria-Pekin, IL (#6120)
Combined Statistical Area (CSA): Peoria-Canton, IL (#426)
Core Based Statistical Area (CBSA): Peoria, IL (#37900)
CBSA Metro Statistical Area: Peoria, IL (#37900)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $314.6 mil
Equity capital: $34.9 mil
Deposits held in domestic offices: $242.0 mil
Return on assets (ROA): 0.46% ($1.4 mil)
Quarterly return on assets: 0.52% ($1.6 mil)
Return on Equity (ROE): 4.42% ($1.5 mil)
Quarterly return on equity: 4.80% ($1.7 mil)
Net income: $1.5 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.70% ($2,202.1 mil)
Quarterly Pretax return on assets: 0.80% ($2,516.7 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)88
Total assets$314,591
Cash and due from depository institutions$17,580
Interest-bearing balances$15,139
Securities$67,868
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$220,295
Loan loss allowance $4,138
Trading account assets$0
Bank premises and fixed assets$4,173
Other real estate owned$246
Goodwill and other intangibles$99
All other assets$4,330
Life insurance assets$314,591
Total liabilities and capital$279,654
Total liabilities$241,963
Total deposits$212,000
Interest-bearing deposits$241,963
Deposits held in domestic offices$88
% insured (estimated)19713.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$16,500
Other borrowed funds $0
Subordinated debt $1,478
All other liabilities $34,937
Total equity capital$34,937
Total bank equity capital$34,937
Perpetual preferred stock$0
Common stock$300
Surplus$16,400
Undivided profits $18,237
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,349
Income earned, not collected on loans $11,600
Earning assets $0
Long-term assets (5+ years) $1,601
Average Assets, year-to-date $303,302
Average Assets, quarterly $69,826
Volatile liabilities $320,580
Insider loans $321,270
FHLB advances $218,555
Loans and leases held for sale $322,263
Unused loan commitments $676
Tier 1 (core) risk-based capital $676
Tier 2 risk-based capital $33,426
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $24,156
Derivatives$2,662
Back to page top, Back to table top

Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $14,245
Total interest expense $3,130
Net interest income $11,115
Provision for loan and lease losses $1,918
Total noninterest income $1,901
Fiduciary activities $33
Service charges on deposit accounts $844
Trading account gains & fees $0
Additional noninterest income $1,024
Total noninterest expense $8,917
Salaries and employee benefits $5,055
Premises and equipment expense $1,079
Additional noninterest expense $2,783
Pre-tax net operating income $2,181
Securities gains (losses) $74
Applicable income taxes $769
Income before extraordinary items $1,486
Extraordinary gains - net $0
Net income attributable to bank $1,486
Net charge-offs $0
Cash dividends $1,486
Sale, conversion, retirement of capital stock, net $2,546
Net operating income $0
Back to page top, Back to table top

Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.61%
Cost of funding earning assets 1.01%
Net interest margin 3.60%
Noninterest income to earning assets 0.62%
Noninterest expense to earning assets 2.89%
Net operating income to assets 0.45%
Return on assets (ROA) 0.46%
Pretax return on assets 0.70%
Return on equity (ROE) 4.42%
Retained earnings to average equity (YTD only) 4.42%
Net charge-offs to loans 1.11%
Credit loss provision to net charge-offs 75.33%
Efficiency ratio1.61%
Assets per employee$68,155
Cash dividends to net income (YTD only)3.57%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.84%
Noncurrent assets plus other real estate owned to assets 35.67%
Noncurrent loans to loans 3.77%
Net loans and leases to deposits5.17%
Net loans and leases to core deposits 91.04%
Equity capital to assets 92.64%
Core capital (leverage) ratio 11.11%
Tier 1 risk-based capital ratio 10.37%
Total risk-based capital ratio 15.29%
Memoranda
Average assets$17
Average earning assets$320,580
Average equity $33,608
Average loans $308,892
Back to page top, Back to table top

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$9,582
Number of Accounts1
Personal trust and agency accounts$4,039
Employee benefit-defined contribution accounts$4,039
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts9
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$5,543
Corporate trust and agency accounts$0
Other fiduciary accounts$5,160
Fiduciary accounts held in foreign offices$0
Back to page top, Back to table top

6 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07984Heritage Bank Of Central Illinois615 North Trivoli Road, Trivoli, IL 61569April 20, 1920Full Service Brick and Mortar
113054Hanna City Branch12223 W Farmington Road, Hanna City, IL 61536September 21, 1964Full Service Brick and Mortar
2227458Willow Knolls Branch3420 W Willow Knolls Drive, Peoria, IL 61614September 09, 1997Full Service Brick and Mortar
3227459Prospect Branch4488 N Prospect Road, Peoria Heights, IL 61616November 09, 1998Full Service Brick and Mortar
413070Peoria Branch3100 West Harmon Highway, Peoria, IL 61604October 14, 1964Full Service Brick and Mortar
5466423East Peoria Branch410 N Main Street, East Peoria, IL 61611Febuary 02, 2007Full Service Brick and Mortar
Back to page top

User Contributions:

Comment about this bank, ask questions, or add new information about it:

CAPTCHA


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Heritage Bank of Central Illinois.
Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.