Heartland Bank And Trust Company Mortgage Rates, Fees & Info

Bloomington, IL

LEI: EFBDHEMMHTWI378O4988

Tax ID: 37-0924892

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Heartland Bank And Trust Company is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. Heartland Bank And Trust Company has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Chicago, Bloomington, Indianapolis, Champaign, and Peoria among others. We have data for 33 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Heartland Bank And Trust Company has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Heartland Bank And Trust Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.03% 4/21/24
    30 Year Conventional Refi 6.76% 4/21/24
    30 Year Cash-out Refi 7.11% 4/21/24
    30 Year FHA Purchase 7.63% 4/21/24
    30 Year USDA Purchase 7.12% 4/21/24
    15 Year Conventional Purchase 6.42% 4/21/24
    15 Year Conventional Refi 6.30% 4/21/24
    15 Year Cash-out Refi 6.30% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Heartland Bank And Trust Company Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Heartland Bank And Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    819

    Origination Dollar Volume (All Markets)

    $212,975,000

    Employee count

    669 Show all (6) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 236 $96,030,000 $406,907 $1,944 4.73%
    BLOOMINGTON, IL (FHA|USDA|VA) 249 $39,755,000 $159,659 $1,243 4.37%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $22,560,000 $11,280,000 $0 4.57%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 86 $17,640,000 $205,116 $1,228 4.44%
    PEORIA, IL (FHA|USDA|VA) 125 $16,285,000 $130,280 $1,459 4.46%
    Ottawa, IL (FHA|USDA|VA) 59 $6,845,000 $116,017 $1,861 13.25%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $3,005,000 $3,005,000 $0 0.00%
    Outside of Metro Areas 23 $2,735,000 $118,913 $1,474 4.38%
    SPRINGFIELD, IL (FHA|USDA|VA) 4 $1,120,000 $280,000 $1,856 4.80%
    MUSKEGON, MI (FHA|USDA|VA) 2 $1,110,000 $555,000 $2,267 4.75%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $805,000 $161,000 $2,049 3.96%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $790,000 $395,000 $2,181 4.40%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $680,000 $340,000 $3,257 4.43%
    Whitewater, WI (FHA|USDA|VA) 2 $440,000 $220,000 $1,598 3.98%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $345,000 $345,000 $2,058 3.98%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $275,000 $275,000 $3,048 4.50%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $235,000 $235,000 $2,643 3.93%
    Pontiac, IL (FHA|USDA|VA) 2 $230,000 $115,000 $1,488 4.06%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,211 3.90%
    Bozeman, MT (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.75%
    NAPA, CA (FHA|USDA|VA) 1 $205,000 $205,000 $3,929 4.55%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,625 4.35%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $175,000 $175,000 $2,036 3.90%
    Dixon, IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,323 3.65%
    DANVILLE, IL (FHA|USDA|VA) 1 $135,000 $135,000 $953 3.18%
    Lincoln, IL (FHA|USDA|VA) 2 $130,000 $65,000 $1,045 5.19%
    COLUMBIA, MO (FHA|USDA|VA) 1 $125,000 $125,000 $2,107 5.20%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $115,000 $115,000 $1,592 3.63%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $115,000 $115,000 $1,654 3.70%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $105,000 $105,000 $1,603 4.25%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $85,000 $85,000 $2,657 3.63%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $75,000 $75,000 $2,330 3.30%
    Taylorville, IL (FHA|USDA|VA) 1 $75,000 $75,000 $1,566 3.40%
    Heartland Bank And Trust Company's top markets include Chicago, Bloomington, Indianapolis, Champaign, and Peoria among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Heartland Bank and Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    FINANCIAL PLUS
    Similarity Rank: 75
    Liberty Bank for Savings
    Similarity Rank: 85
    UNIVERSITY OF ILLINOIS COMMUNITY
    Similarity Rank: 150
    HEARTLAND
    Similarity Rank: 182
    WEST COMMUNITY
    Similarity Rank: 190
    United Bank of Union
    Similarity Rank: 275
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 302
    EDUCATORS CREDIT UNION
    Similarity Rank: 352
    ELECTRO SAVINGS CREDIT UNION
    Similarity Rank: 396
    Dieterich Bank
    Similarity Rank: 442

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 816 $212,710,000 $260,674 $1,512 5.13%
    FHA 3 $265,000 $88,333 $4,173 4.38%

    For 2019, Heartland Bank And Trust Company's most frequently originated type of loan was Conventional, with 816 originations. Their 2nd most popular type was FHA, with 3 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 422 $124,340,000 $294,645 $1,980 5.92%
    Refi 194 $44,390,000 $228,814 $1,062 4.02%
    Cash Out Refi 177 $43,145,000 $243,757 $1,328 4.38%
    Home Improvement 14 $480,000 $34,286 $528 5.84%
    Other 12 $620,000 $51,667 $737 5.71%

    For 2019, Heartland Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 422 originations. The 2nd most popular reason was Refi, with 194 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 396 $68,120,000 $172,020 $1,696 4.32%
    15 Year 171 $26,655,000 $155,877 $1,368 3.75%
    5 Year 77 $47,975,000 $623,052 $629 12.14%
    1 Year 61 $10,665,000 $174,836 $0 6.04%
    Other 52 $44,680,000 $859,231 $717 5.38%
    20 Year 49 $7,985,000 $162,959 $1,190 4.45%
    10 Year 9 $4,985,000 $553,889 $1,066 4.56%
    3 Year 4 $1,910,000 $477,500 $776 4.79%

    For 2019, Heartland Bank And Trust Company's most frequently cited loan duration was 30 Year, with 396 originations. The 2nd most popular length was 15 Year, with 171 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 614 $102,270,000 $166,564
    $1k-2k 2 $190,000 $95,000
    $3k-4k 1 $265,000 $265,000

    Heartland Bank And Trust Company's average total fees were $1,696, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 614 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 321 $60,825,000 $189,486
    4-5% 297 $123,925,000 $417,256
    5-6% 141 $18,505,000 $131,241
    6-7% 57 $5,695,000 $99,912
    Over 8% 1 $195,000 $195,000

    During 2019, Heartland Bank And Trust Company's average interest rate for loans was 4.32%, while their most frequently originated rate bucket for loans was 3-4%, with 321 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 351 $50,065,000 $142,635 $1,500 5.89%
    $100,000 or less 248 $16,420,000 $66,210 $1,362 4.89%
    $200k-400k 153 $40,715,000 $266,111 $1,695 4.09%
    $400k-600k 36 $16,830,000 $467,500 $1,436 4.23%
    $1MM+ 17 $77,935,000 $4,584,412 $7,504 4.52%
    $600k-1MM 14 $11,010,000 $786,429 $3,232 4.83%

    2019 saw Heartland Bank And Trust Company place emphasis on $100k-200k loans with 351 originations, totaling $50,065,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 137 $22,525,000 $164,416 $1,483 4.26%
    $50k-75k 131 $16,675,000 $127,290 $1,679 4.33%
    $50k or less 121 $11,555,000 $95,496 $1,532 4.43%
    $150k-250k 106 $26,180,000 $246,981 $1,409 4.24%
    $75k-100k 90 $14,020,000 $155,778 $1,677 4.20%
    $250k+ 49 $14,765,000 $301,327 $1,757 4.28%

    Heartland Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 137 originations. The second most popular income band? $50k-75k, with 131 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 185 $30,065,000 $162,514 $1,483 4.21%
    30-36% 138 $21,050,000 $152,536 $1,526 4.32%
    <20% 76 $12,590,000 $165,658 $1,374 3.89%
    38% 29 $5,155,000 $177,759 $1,803 4.33%
    37% 27 $3,845,000 $142,407 $1,539 4.39%
    36% 24 $3,610,000 $150,417 $1,404 4.29%
    39% 24 $4,320,000 $180,000 $1,223 4.45%
    44% 22 $3,610,000 $164,091 $1,509 4.18%
    42% 19 $3,475,000 $182,895 $1,829 4.32%
    41% 19 $2,905,000 $152,895 $1,824 4.37%
    43% 19 $2,875,000 $151,316 $1,960 4.30%
    40% 18 $2,860,000 $158,889 $1,446 4.02%
    46% 16 $3,180,000 $198,750 $1,565 4.33%
    45% 10 $1,480,000 $148,000 $1,342 4.24%
    48% 8 $1,430,000 $178,750 $1,764 4.14%
    47% 7 $2,165,000 $309,286 $1,962 3.90%
    49% 4 $440,000 $110,000 $1,463 4.16%
    50-60% 3 $265,000 $88,333 $1,458 4.68%

    Heartland Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 185 originations. The next most common DTI ratio? 30-36%, with 138 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 647 $109,525,000 $169,281 $1,523 4.29%
    Not applicable 131 $96,725,000 $738,359 $0 9.55%
    Not provided 22 $4,360,000 $198,182 $1,406 4.26%
    Asian 11 $1,615,000 $146,818 $1,894 4.44%
    Black 5 $295,000 $59,000 $1,744 4.82%
    Native Hawaiian or Islander 2 $230,000 $115,000 $982 4.74%
    American Indian 1 $225,000 $225,000 $1,716 4.00%

    Approval Rates

    Total approvals of all applications
    89.87%

    Heartland Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.30%

    Heartland Bank And Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 819 $212,975,000 $260,043

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 36 $80,690,000 $2,241,389
    Single Family (1-4 Units):Manufactured 1 $55,000 $55,000
    Single Family (1-4 Units):Site-Built 782 $132,230,000 $169,092

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 49 $5,525,000 $112,755 $1,207 4.84%
    40-60% 152 $30,210,000 $198,750 $1,533 4.56%
    60-80% 348 $112,780,000 $324,080 $1,514 5.84%
    80-100% 216 $58,390,000 $270,324 $1,738 4.39%
    Over 100% 1 $1,465,000 $1,465,000 $0 4.25%
    Under 20% 36 $1,600,000 $44,444 $735 5.44%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Heartland Bank and Trust Company 100 East Dakota Street Spring Valley, IL 61362 Full Service B&M $28,498
    Heartland Bank and Trust Company 100 South Cummings Lane Washington, IL 61571 Full Service B&M $19,503
    Heartland Bank and Trust Company 105 N. Menard Metamora, IL 61548 Full Service B&M $30,964
    Heartland Bank and Trust Company 108 North Main Street Eureka, IL 61530 Full Service B&M $65,432
    Heartland Bank and Trust Company 1101 W Windsor Road Champaign, IL 61821 Full Service B&M $76,887
    Heartland Bank and Trust Company 11500 E. Route 34 Plano, IL 60545 Full Service B&M $10,133
    Heartland Bank and Trust Company 116 South Main Street Mackinaw, IL 61755 Full Service B&M $14,165
    Heartland Bank and Trust Company 12101 Regency Square Parkway Huntley, IL 60142 Full Service B&M $42,706
    Heartland Bank and Trust Company 124 South Main Street Sycamore, IL 60178 Full Service B&M $56,541
    Heartland Bank and Trust Company 3501 West War Memorial Drive Peoria, IL 61615 Full Service B&M $26,372
    Heartland Bank and Trust Company 128 South Depot Street Somonauk, IL 60552 Full Service B&M $57,319
    Heartland Bank and Trust Company 130 North Church Street Gibson City, IL 60936 Full Service B&M $49,736
    Heartland Bank and Trust Company 130 South Main Street Washington, IL 61571 Full Service B&M $75,265
    Heartland Bank and Trust Company 14901 S. Route 59 Plainfield, IL 60544 Full Service B&M $19,311
    Heartland Bank and Trust Company 1575 Ogden Avenue Aurora, IL 60503 Full Service B&M $21,456
    Heartland Bank and Trust Company 1725 Fort Jesse Road Normal, IL 61761 Full Service B&M $51,927
    Heartland Bank and Trust Company 179 East Courtland Street Morton, IL 61550 Full Service B&M $33,728
    Heartland Bank and Trust Company 1821 South Main Street Eureka, IL 61530 Full Service B&M $2,073
    Heartland Bank and Trust Company 1985 Dekalb Avenue Sycamore, IL 60178 Full Service B&M $73,556
    Heartland Bank and Trust Company 200 East Church Street Sandwich, IL 60548 Full Service B&M $39,222
    Heartland Bank and Trust Company 200 West College Avenue Normal, IL 61761 Full Service B&M $55,873
    Heartland Bank and Trust Company 202 West Center Street Eureka, IL 61530 Limited, Drive-thru $0
    Heartland Bank and Trust Company 205 North Main Street Bloomington, IL 61702 Full Service B&M $37,653
    Heartland Bank and Trust Company 207 West Washington Street Carlock, IL 61725 Full Service B&M $32,462
    Heartland Bank and Trust Company 21 Gletty Road Sandwich, IL 60548 Full Service B&M $23,084
    Heartland Bank and Trust Company 2101 North Main Street Princeton, IL 61356 Full Service B&M $26,517
    Heartland Bank and Trust Company 2101 West Springfield Road Champaign, IL 61821 Full Service B&M $19,374
    Heartland Bank and Trust Company 2111 East Oakland Avenue, Suite A Bloomington, IL 61701 Full Service B&M $14,070
    Heartland Bank and Trust Company 223 South Main Street Morton, IL 61550 Full Service B&M $47,794
    Heartland Bank and Trust Company 2231 West Market Street Bloomington, IL 61704 Full Service B&M $22,218
    Heartland Bank and Trust Company 321 West Golf Road Schaumburg, IL 60196 Full Service B&M $67,163
    Heartland Bank and Trust Company 327 West Main Street Genoa, IL 60135 Full Service B&M $38,235
    Heartland Bank and Trust Company 333 South Main Street Farmer City, IL 61842 Full Service B&M $59,196
    Heartland Bank and Trust Company 3400 Court Street Pekin, IL 61554 Full Service B&M $24,527
    Heartland Bank and Trust Company 36044 North Brookside Drive Gurnee, IL 60031 Full Service B&M $21,729
    Heartland Bank and Trust Company 379 Old Germantown Road Metamora, IL 61548 Full Service B&M $18,863
    Heartland Bank and Trust Company 401 North Hershey Road Bloomington, IL 61702 Full Service B&M $246,666
    Heartland Bank and Trust Company 401 West Main Street Lexington, IL 61753 Full Service B&M $13,600
    Heartland Bank and Trust Company 418 Locust Street Delavan, IL 61734 Full Service B&M $12,676
    Heartland Bank and Trust Company 423 South Sixth Street Princeton, IL 61356 Limited, Drive-thru $0
    Heartland Bank and Trust Company 430 East Mississippi Ave Elwood, IL 60421 Full Service B&M $14,103
    Heartland Bank and Trust Company 4456 Wolf Road Western Springs, IL 60558 Full Service B&M $131,262
    Heartland Bank and Trust Company 45 North Fayette Street El Paso, IL 61738 Full Service Retail $3,686
    Heartland Bank and Trust Company 485 Lake Street Antioch, IL 60002 Full Service B&M $89,996
    Heartland Bank and Trust Company 500 Bob Blair Road Minooka, IL 60447 Full Service B&M $20,231
    Heartland Bank and Trust Company 501 West Walnut Street Oglesby, IL 61348 Full Service B&M $26,285
    Heartland Bank and Trust Company 5650 Canton Farm Road Plainfield, IL 60586 Full Service B&M $21,161
    Heartland Bank and Trust Company 602 South Vine Street Urbana, IL 61801 Full Service B&M $10,348
    Heartland Bank and Trust Company 606 South Main Street Princeton, IL 61356 Full Service B&M $137,285
    Heartland Bank and Trust Company 700 West Jefferson Street Shorewood, IL 60431 Full Service B&M $53,281
    Heartland Bank and Trust Company 703 Third Street Henry, IL 61537 Full Service B&M $21,720
    Heartland Bank and Trust Company 801 E. Cemetery Avenue Chenoa, IL 61726 Full Service B&M $36,373
    Heartland Bank and Trust Company 819 Warner Street Hampshire, IL 60140 Full Service B&M $34,309
    Heartland Bank and Trust Company 9010 N. Allen Road Peoria, IL 61615 Full Service B&M $24,316
    Heartland Bank and Trust Company 913 South Fourth Street De Kalb, IL 60115 Full Service B&M $46,284
    Heartland Bank and Trust Company 925 Shooting Park Road Peru, IL 61354 Full Service B&M $74,883
    Heartland Bank and Trust Company 99 North Elm Street El Paso, IL 61738 Full Service B&M $87,909
    Heartland Bank and Trust Company Route 71 And Union Street Newark, IL 60541 Full Service B&M $42,802

    For 2019, Heartland Bank And Trust Company had 58 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $130,304
    Net interest income $123,823
    Total noninterest income $28,268
    Gross Fiduciary activities income $6,119
    Service charges on deposit accounts $7,075
    Trading account gains and fees $0
    Additional Noninterest Income $15,074
    Pre-tax net operating income $68,788
    Securities gains (or losses, -) $86
    Income before extraordinary items $64,127
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $64,127
    Minority interest net income $0
    Net income $64,127
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $64,047

    Heartland Bank And Trust Company's gross interest income from loans was $130,304,000.
    Heartland Bank And Trust Company's net interest income from loans was $123,823,000.
    Heartland Bank And Trust Company's fee based income from loans was $7,075,000.
    Heartland Bank And Trust Company's net income from loans was $64,127,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,481
    Provision for credit losses $2,984
    Total noninterest expense $80,319
    Salaries and employee benefits $53,298
    Premises and equipment expense $8,729
    Additional noninterest expense $18,292
    Applicable income taxes $4,747
    Net charge-offs $1,838
    Cash dividends $101,469

    Heartland Bank And Trust Company's interest expense for loans was $6,481,000.
    Heartland Bank And Trust Company's payroll and benefits expense were $53,298,000.
    Heartland Bank And Trust Company's property, plant and equipment expenses $8,729,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 2.0%
    All other family 1.0%
    Commercial & industrial loans 1.0%
    Personal loans 1.0%
    Credit card loans 0.2%
    Other individual loans 2.0%
    Auto loans 0.0%
    Other consumer loans 2.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,484,142
    Deposits held in domestic offices $2,484,142
    Deposits by Individuals, partnerships, and corporations $2,341,727
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $140,688
    Deposits by Commercial banks and other depository institutions in U.S. $1,726
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $411,969
    Demand deposits $246,419
    Nontransaction accounts $2,072,173
    Money market deposit accounts (MMDAs) $455,974
    Other savings deposits (excluding MMDAs) $1,311,691
    Total time deposits $304,508
    Total time and savings deposits $2,237,723
    Noninterest-bearing deposits $607,779
    Interest-bearing deposits $1,876,363
    Retail deposits $2,450,786
    IRAs and Keogh plan accounts $63,867
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,909,697
    Cash & Balances due from depository institutions $249,216
    Interest-bearing balances $230,529
    Total securities $550,746
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,986,838
    Loan and leases loss allowance $20,131
    Trading account assets $0
    Bank premises and fixed assets $52,578
    Other real estate owned $4,675
    Goodwill and other intangibles $33,879
    All other assets $31,765

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,909,697
    Total Liabilities $2,579,988
    Total deposits $2,484,142
    Interest-bearing deposits $1,876,363
    Deposits held in domestic offices $2,484,142
    % insured (estimated) $85
    Federal funds purchased and repurchase agreements $44,433
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $51,413

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,986,838
    Loan and leases loss allowance $20,131
    Total loans and leases (domestic) $2,006,969
    All real estate loans $1,545,867
    Real estate loans in domestic offices $1,545,867
    Construction and development loans $206,293
    Residential 1-4 family construction $74,255
    Other construction, all land development and other land $132,038
    Loans secured by nonfarm nonresidential properties $766,580
    Nonfarm nonresidential secured by owner-occupied properties $216,118
    Commercial real estate & other non-farm, non-residential $550,462
    Multifamily residential real estate $166,730
    1-4 family residential loans $298,390
    Farmland loans $107,874
    Loans held in foreign offices $0
    Farm loans $61,021
    Commercial and industrial loans $285,190
    To non-U.S. addressees $0
    Loans to individuals $16,751
    Credit card loans $5,918
    Related Plans $258
    Consumer Auto Loans $1,254
    Other loans to individuals $9,321
    All other loans & leases $98,140
    Loans to foreign governments and official institutions $0
    Other loans $20,734
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $2,514
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $710
    Non 1-4 family restructured loans & leases $472
    Total loans and leases (foreign) $0

    Heartland Bank and Trust Company had $1,986,838,000 of loans outstanding in 2019. $1,545,867,000 of loans were in real estate loans. $206,293,000 of loans were in development loans. $166,730,000 of loans were in multifamily mortgage loans. $298,390,000 of loans were in 1-4 family mortgage loans. $61,021,000 of loans were in farm loans. $5,918,000 of loans were in credit card loans. $1,254,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 691 $149,139 $215,831
    Nonfarm, nonresidential loans - <$100k 125 $5,216 $41,728
    Nonfarm, nonresidential loans - $100-250k 205 $23,376 $114,029
    Nonfarm, nonresidential loans - $250k-1MM 361 $120,547 $333,925
    Commercial & Industrial, US addressed loans - <$1MM 1,712 $80,829 $47,213
    Commercial & Industrial, US addressed loans - <$100k 980 $12,574 $12,831
    Commercial & Industrial, US addressed loans - $100-250k 336 $17,676 $52,607
    Commercial & Industrial, US addressed loans - $250k-1MM 396 $50,579 $127,725
    Farmland loans - <$1MM 200 $24,991 $124,955
    Farmland loans - <$100k 46 $1,853 $40,283
    Farmland loans - $100-250k 92 $10,048 $109,217
    Farmland loans - $250k-1MM 62 $13,090 $211,129
    Agriculture operations loans - <$1MM 415 $24,728 $59,586
    Agriculture operations loans - <$100k 177 $3,615 $20,424
    Agriculture operations loans - $100-250k 124 $7,535 $60,766
    Agriculture operations loans - $250k-1MM 114 $13,578 $119,105