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

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Heritage Bank of Central Illinois routing number info

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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
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
Undivided profits $18,237
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
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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
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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%
Average assets$17
Average earning assets$320,580
Average equity $33,608
Average loans $308,892
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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$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
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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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