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REGULATORY MATTERS (Tables)
 9 Months Ended
Sep. 30, 2019
REGULATORY MATTERS  
Schedule of the Company's and the bank subsidiaries' actual and required capital amounts and ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Actual

 

For Capital
Adequacy
Purposes

 

To Be Well
Capitalized Under
Prompt Corrective
Action Provisions

 

September 30, 2019

    

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

 

 

 

 

(dollars in thousands)

 

Total Capital (to Risk Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated HBT Financial, Inc.

 

$

371,681

 
14.88

%  

$

199,798

 

8.00

%  

 

N/A

 

N/A

 

Heartland Bank

 

$

329,689

 
14.30

%  

$

184,457

 

8.00

%  

$

230,572

 

10.00

%

Lincoln Bank

 

$

37,349

 
19.88

%  

$

15,031

 

8.00

%  

$

18,789

 

10.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Capital (to Risk Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated HBT Financial, Inc.

 

$

348,920

 
13.97

%  

$

149,848

 

6.00

%  

 

N/A

 

N/A

 

Heartland Bank

 

$

309,145

 
13.41

%  

$

138,343

 

6.00

%  

$

184,457

 

8.00

%

Lincoln Bank

 

$

35,132

 
18.70

%  

$

11,274

 

6.00

%  

$

15,031

 

8.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Common Equity Tier 1 Capital (to Risk Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated HBT Financial, Inc.

 

$

312,519

 
12.51

%  

$

112,386

 

4.50

%  

 

N/A

 

N/A

 

Heartland Bank

 

$

309,145

 
13.41

%  

$

103,757

 

4.50

%  

$

149,871

 

6.50

%

Lincoln Bank

 

$

35,132

 
18.70

%  

$

8,455

 

4.50

%  

$

12,213

 

6.50

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Capital (to Average Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated HBT Financial, Inc.

 

$

348,920

 
11.02

%  

$

126,601

 

4.00

%  

 

N/A

 

N/A

 

Heartland Bank

 

$

309,145

 
11.00

%  

$

112,366

 

4.00

%  

$

140,458

 

5.00

%

Lincoln Bank

 

$

35,132

 
9.96

%  

$

14,104

 

4.00

%  

$

17,631

 

5.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Actual

 

For Capital
Adequacy
Purposes

 

To Be Well
Capitalized Under
Prompt Corrective
Action Provisions

 

December 31, 2018

    

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

 

 

 

 

(dollars in thousands)

 

Total Capital (to Risk Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated HBT Financial, Inc.

 

$

372,472

 
14.99

%  

$

198,730

 

8.00

%  

 

N/A

 

N/A

 

Heartland Bank

 

$

332,391

 
14.44

%  

$

184,127

 

8.00

%  

$

230,159

 

10.00

%

Lincoln Bank

 

$

38,059

 
21.02

%  

$

14,488

 

8.00

%  

$

18,110

 

10.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Capital (to Risk Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated HBT Financial, Inc.

 

$

351,963

 
14.17

%  

$

149,047

 

6.00

%  

 

N/A

 

N/A

 

Heartland Bank

 

$

313,406

 
13.62

%  

$

138,095

 

6.00

%  

$

184,127

 

8.00

%

Lincoln Bank

 

$

36,535

 
20.17

%  

$

10,866

 

6.00

%  

$

14,488

 

8.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Common Equity Tier 1 Capital (to Risk Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated HBT Financial, Inc.

 

$

315,611

 
12.71

%  

$

111,785

 

4.50

%  

 

N/A

 

N/A

 

Heartland Bank

 

$

313,406

 
13.62

%  

$

103,572

 

4.50

%  

$

149,603

 

6.50

%

Lincoln Bank

 

$

36,535

 
20.17

%  

$

8,150

 

4.50

%  

$

11,772

 

6.50

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Capital (to Average Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated HBT Financial, Inc.

 

$

351,963

 
10.80

%  

$

130,393

 

4.00

%  

 

N/A

 

N/A

 

Heartland Bank

 

$

313,406

 
11.03

%  

$

113,668

 

4.00

%  

$

142,085

 

5.00

%

Lincoln Bank

 

$

36,535

 
10.21

%  

$

14,319

 

4.00

%  

$

17,899

 

5.00

%