Heartland Bank and Trust Company

Heartland Bank and Trust Company is headquartered in Bloomington and is the 9^th largest bank in the state of Illinois. It is also the 251^st largest bank in the nation. It was established in 1971 and as of December of 2012, it had grown to 679 employees at 70 locations. Heartland Bank and Trust Company has a 4-star health rating.

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Data for Q4 2012

Institution Statistics Heartland Bank and Trust Company FDIC Certificate # 20369 BankRate Report View Year Established 1971 Employees 679 Primary Regulator FDIC Assets and Liabilities Assets $2.93 billion Loans $1.71 billion Deposits $2.57 billion Equity Capital $284.12 million Loan Loss Allowance $22.22 million Unbacked Noncurrent Loans $66.88 million Real Estate Owned $15.83 million Historic Data - December 2011 Assets $1.94 billion Equity Capital $251.71 million Loan Loss Allowance $22.51 million Unbacked Noncurrent Loans $30.06 million Real Estate Owned $5.70 million Profit Margin - Quarterly Net Interest Margin 4.19% Return on Assets 3.11% Return on Equity 25.64% Interest Income $90.43 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Heartland Bank and Trust Company had $82.71 million in non-current loans and owned real-estate with $306.34 million in equity and loan loss allowances on hand to cover it. This gives Heartland Bank and Trust Company a Texas Ratio of 27.00% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Heartland Bank and Trust Company increased slightly from 12.76% as of December 31, 2011 to 27.00% as of December 31, 2012, resulting in a negative change of 111.66%. This indicates that the balance sheet and financial strength for Heartland Bank and Trust Company has declined slightly in recent periods. Deposit Growth In the past year, Heartland Bank and Trust Company has increased its total deposits by $935.2 million, resulting in 57.27% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Heartland Bank and Trust Company has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Heartland Bank and Trust Company has $2.93 billion in assets with $306.34 million in equity, resulting in a capitalization level of 10.46%, which is above average.