Heritage Bank of Central Illinois

Heritage Bank of Central Illinois is headquartered in Trivoli and is the 141^st largest bank in the state of Illinois. It is also the 2,109^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 87 employees at 6 locations. Heritage Bank of Central Illinois' money market rates are 36% higher than the national average, and it has a 3-star health rating.

Heritage Bank of Central Illinois Routing Number: 071116295

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Data for Q1 2012

Institution Statistics Heritage Bank of Central Illinois FDIC Certificate # 12554 BankRate Report View Year Established 1920 Employees 87 Primary Regulator FDIC Assets and Liabilities Assets $309.07 million Loans $217.20 million Deposits $248.47 million Equity Capital $35.58 million Loan Loss Allowance $4.58 million Unbacked Noncurrent Loans $17.11 million Real Estate Owned $256,000 Historic Data - March 2011 Assets $311.78 million Equity Capital $32.66 million Loan Loss Allowance $4.32 million Unbacked Noncurrent Loans $15.00 million Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets 0.54% Return on Equity 4.81% Interest Income $3.34 million

Institution Health Overall Score: 3 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 March 31, 2012 Heritage Bank of Central Illinois had $17.36 million in non-current loans and owned real-estate with $40.15 million in equity and loan loss allowances on hand to cover it. This gives Heritage Bank of Central Illinois a Texas Ratio of 43.24% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Heritage Bank of Central Illinois held steady from 40.55% as of March 31, 2011 to 43.24% as of March 31, 2012, resulting in a negative change of 6.63%. This indicates that the balance sheet and financial strength for Heritage Bank of Central Illinois has held steady in recent periods. Deposit Growth In the past year, Heritage Bank of Central Illinois has increased its total deposits by $2.66 million, resulting in 1.08% 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 Heritage Bank of Central Illinois has shown is above average. 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. Heritage Bank of Central Illinois has $309.06 million in assets with $40.15 million in equity, resulting in a capitalization level of 12.99%, which is excellent.

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