FDIC Certificate #: 9268 Status: Inactive Closing history: Corrections Acquiring institution:Heartland Bank and Trust Company (#20369) Federal Reserve ID: 910042 Date Established: January 01, 1914 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 2 (Interstate: No) OTS Docket #: 11174 FDIC's unique #: 5928 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 05, 2010 Last Structure Change Process Date: March 08, 2010 Last Data Update: March 08, 2010 Data Source Date: April 05, 2012
Location
Address: 200 West College Avenue, Normal, IL 61761 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 Changes
Absorption - Assisted
Corrections
Financial Summary
Total assets: $211.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
41Total employees (full-time equivalent)
$211,711Total assets
$13,367Cash and due from depository institutions
$10,636Interest-bearing balances
$17,321Securities
$0Federal funds sold & reverse repurchase agreements
$153,318Net loans & leases
$11,090Loan loss allowance
$0Trading account assets
$12,950Bank premises and fixed assets
$4,334Other real estate owned
$159Goodwill and other intangibles
$0Life insurance assets
$10,262All other assets
$211,711Total liabilities and capital
$203,596Total liabilities
$198,487Total deposits
$186,716Interest-bearing deposits
$198,487Deposits held in domestic offices
87.28%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$4,080Other borrowed funds
$0Subordinated debt
$1,029All other liabilities
$8,115Total equity capital
$8,115Total bank equity capital
$8,115Perpetual preferred stock
$0Common stock
$353Surplus
$17,083Undivided profits
Memoranda
$-9,321Noncurrent loans and leases
$11,249Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$13,263Earning assets
$0Long-term assets (5+ years)
$1,749Average Assets, year-to-date
$181,275Average Assets, quarterly
$23,575Volatile liabilities
$232,543Insider loans
$226,966FHLB advances
$52,938Loans and leases held for sale
$3,742Unused loan commitments
$4,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$11,249Total unused commitments
$3,122Restructured Loans and leases
$2,119Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$11,770Total interest income
$5,814Total interest expense
$5,956Net interest income
$10,260Provision for loan and lease losses
$1,138Total noninterest income
$2Fiduciary activities
$285Service charges on deposit accounts
$0Trading account gains & fees
$851Additional noninterest income
$6,477Total noninterest expense
$2,579Salaries and employee benefits
$446Premises and equipment expense
$3,452Additional noninterest expense
-$9,643Pre-tax net operating income
$241Securities gains (losses)
-$3,718Applicable income taxes
-$5,684Income before extraordinary items
$0Extraordinary gains - net
-$5,684Net income attributable to bank
$0Net charge-offs
-$5,684Cash dividends
$5,170Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.76%Yield on earning assets
2.84%Cost of funding earning assets
2.91%Net interest margin
0.56%Noninterest income to earning assets
3.17%Noninterest expense to earning assets
-2.51%Net operating income to assets
-2.44%Return on assets (ROA)
-4.04%Pretax return on assets
-49.73%Return on equity (ROE)
-49.73%Retained earnings to average equity (YTD only)
2.91%Net charge-offs to loans
198.45%Credit loss provision to net charge-offs
0.12%Efficiency ratio
91,303Assets per employee
5.16%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
6.75%Loss allowance to noncurrent loans
83.62%Noncurrent assets plus other real estate owned to assets
8.31%Noncurrent loans to loans
8.07%Net loans and leases to deposits
77.24%Net loans and leases to core deposits
104.21%Equity capital to assets
3.83%Core capital (leverage) ratio
1.26%Tier 1 risk-based capital ratio
1.73%Total risk-based capital ratio
Memoranda
$3Average assets
$232,543Average earning assets
$11,431Average equity
$204,400Average loans
Total Fiduciary and Related Assets (December 31, 2009)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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