Heritage Bank of Central Illinois in Trivoli, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Heritage Bank of Central Illinois in Trivoli, Illinois (IL)
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Heritage Bank of Central Illinois - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 88Total employees (full-time equivalent)
  • $314,591Total assets
  • $17,580Cash and due from depository institutions
  • $15,139Interest-bearing balances
  • $67,868Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $220,295Net loans & leases
  • $4,138Loan loss allowance
  • $0Trading account assets
  • $4,173Bank premises and fixed assets
  • $246Other real estate owned
  • $99Goodwill and other intangibles
  • $314,591Life insurance assets
  • $4,330All other assets
  • $279,654Total liabilities and capital
  • $241,963Total liabilities
  • $212,000Total deposits
  • $241,963Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 19713.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $16,500Trading liabilities
  • $0Other borrowed funds
  • $1,478Subordinated debt
  • $34,937All other liabilities
  • $34,937Total equity capital
  • $34,937Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $16,400Surplus
  • $18,237Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,349Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,600Income earned, not collected on loans
  • $0Earning assets
  • $1,601Long-term assets (5+ years)
  • $303,302Average Assets, year-to-date
  • $69,826Average Assets, quarterly
  • $320,580Volatile liabilities
  • $321,270Insider loans
  • $218,555FHLB advances
  • $322,263Loans and leases held for sale
  • $676Unused loan commitments
  • $676Tier 1 (core) risk-based capital
  • $33,426Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,156Restructured Loans and leases
  • $2,662Derivatives

Income and Expense (December 31, 2011)

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

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.61%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 3.60%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 2.89%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 4.42%Return on equity (ROE)
  • 4.42%Retained earnings to average equity (YTD only)
  • 1.11%Net charge-offs to loans
  • 75.33%Credit loss provision to net charge-offs
  • 1.61%Efficiency ratio
  • 68,155Assets per employee
  • 3.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 35.67%Noncurrent assets plus other real estate owned to assets
  • 3.77%Noncurrent loans to loans
  • 5.17%Net loans and leases to deposits
  • 91.04%Net loans and leases to core deposits
  • 92.64%Equity capital to assets
  • 11.11%Core capital (leverage) ratio
  • 10.37%Tier 1 risk-based capital ratio
  • 15.29%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $320,580Average earning assets
  • $33,608Average equity
  • $308,892Average 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
  • $9,582Managed Assets
  • 1Number of Accounts
  • $4,039Personal trust and agency accounts
  • $4,039Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 9Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $5,543Other retirement accounts
  • $0Corporate trust and agency accounts
  • $5,160Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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

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