Hickory Point Bank and Trust, FSB in Decatur, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Hickory Point Bank and Trust, FSB in Decatur, Illinois (IL)
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Hickory Point Bank and Trust, FSB - Overview

  • General
  • FDIC Certificate #: 22874
    Status: Active
    Federal Reserve ID: 550635
    Date Established: June 04, 1979
    WWW: http://www.hickorypointbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 14792
    FDIC's unique #: 15985
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 04, 1979
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 225 North Water Street, Decatur, IL 62523
    County: Macon
    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): Decatur, IL (#2040)
    Core Based Statistical Area (CBSA): Decatur, IL (#19500)
    CBSA Metro Statistical Area: Decatur, IL (#19500)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $632.1 mil
    Equity capital: $55.0 mil
    Deposits held in domestic offices: $542.8 mil
    Return on assets (ROA): 0.04% ($0.3 mil)
    Quarterly return on assets: 0.65% ($4.1 mil)
    Return on Equity (ROE): 0.42% ($0.2 mil)
    Quarterly return on equity: 7.46% ($4.1 mil)
    Net income: $0.3 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 0.09% ($568.9 mil)
    Quarterly Pretax return on assets: 0.90% ($5,688.8 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
  • 133Total employees (full-time equivalent)
  • $632,093Total assets
  • $116,440Cash and due from depository institutions
  • $111,702Interest-bearing balances
  • $222,383Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $276,690Net loans & leases
  • $2,293Loan loss allowance
  • $0Trading account assets
  • $2,739Bank premises and fixed assets
  • $435Other real estate owned
  • $207Goodwill and other intangibles
  • $632,093Life insurance assets
  • $13,199All other assets
  • $577,092Total liabilities and capital
  • $542,821Total liabilities
  • $509,960Total deposits
  • $542,821Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 30180.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $4,091Subordinated debt
  • $55,001All other liabilities
  • $55,001Total equity capital
  • $55,001Total bank equity capital
  • $0Perpetual preferred stock
  • $49,094Common stock
  • $0Surplus
  • $5,907Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $803Income earned, not collected on loans
  • $0Earning assets
  • $1,703Long-term assets (5+ years)
  • $610,775Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $769,200Volatile liabilities
  • $629,653Insider loans
  • $258,530FHLB advances
  • $624,591Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $50,118Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $64,991Restructured Loans and leases
  • $120Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,725Total interest income
  • $8,064Total interest expense
  • $17,661Net interest income
  • $616Provision for loan and lease losses
  • $6,436Total noninterest income
  • $0Fiduciary activities
  • $726Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,710Additional noninterest income
  • $34,179Total noninterest expense
  • $10,773Salaries and employee benefits
  • $3,839Premises and equipment expense
  • $19,567Additional noninterest expense
  • -$10,698Pre-tax net operating income
  • $11,392Securities gains (losses)
  • $411Applicable income taxes
  • $283Income before extraordinary items
  • $0Extraordinary gains - net
  • $283Net income attributable to bank
  • $0Net charge-offs
  • $283Cash dividends
  • $354Sale, conversion, retirement of capital stock, net
  • $18,751Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.44%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 2.36%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 4.57%Noninterest expense to earning assets
  • -0.91%Net operating income to assets
  • 0.04%Return on assets (ROA)
  • 0.09%Pretax return on assets
  • 0.42%Return on equity (ROE)
  • -27.39%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 174.01%Credit loss provision to net charge-offs
  • -28.48%Efficiency ratio
  • 141,839Assets per employee
  • 4.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 6625.80%Loss allowance to loans
  • 0.82%Loss allowance to noncurrent loans
  • 285.55%Noncurrent assets plus other real estate owned to assets
  • 0.20%Noncurrent loans to loans
  • 0.29%Net loans and leases to deposits
  • 50.97%Net loans and leases to core deposits
  • 53.56%Equity capital to assets
  • 8.70%Core capital (leverage) ratio
  • 8.02%Tier 1 risk-based capital ratio
  • 19.39%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $769,200Average earning assets
  • $67,428Average equity
  • $748,228Average 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
  • $1,783,670Managed Assets
  • 1Number of Accounts
  • $441,607Personal trust and agency accounts
  • $378,602Employee benefit-defined contribution accounts
  • $13,351Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,797Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $47,857Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 355Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $2,136Employee benefit-defined benefit accounts
  • $1,342,063Other retirement accounts
  • $7,600Corporate trust and agency accounts
  • $1,248,760Other fiduciary accounts
  • $12,190Fiduciary accounts held in foreign offices

List of branches

  • 7 Illinois Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    015985Hickory Point Bank And Trust, Fsb225 North Water Street, Decatur, IL 62523June 04, 1979Full Service Brick and Mortar
    5255523First Drive Branch398 First Drive, Decatur, IL 62521May 26, 1998Full Service Brick and Mortar
    7359062West Hickory Point Branch1401 West Hickory Point Drive, Forsyth, IL 62535September 20, 1999Full Service Brick and Mortar
    9359064Mt Zion Branch1880 South Mt Zion Road, Decatur, IL 62521August 18, 1999Full Service Brick and Mortar
    11365742Faries Branch4666 E Faries Pkwy, Decatur, IL 62521November 07, 2002Full Service Brick and Mortar
    15424652Champaign Branch701 Devonshire Drive, Champaign, IL 61820Febuary 13, 2002Full Service Brick and Mortar
    19464109Wabash Avenue Branch3131 West Wabash Avenue, Springfield, IL 62704December 12, 2005Full Service Brick and Mortar

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