Call reports 2001
HERITAGE BANK OF CENTRAL ILLINOIS — 2001
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 163,275,000 | 168,862,000 | 170,204,000 | 187,610,000 |
| Total loans | 92,535,000 | 95,038,000 | 99,660,000 | 114,888,000 |
| Allowance for loan losses | 893,000 | 949,000 | 985,000 | 1,009,000 |
| Securities available for sale | 55,632,000 | 57,162,000 | 54,886,000 | 58,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,873,000 | 140,178,000 | 139,288,000 | 144,470,000 |
| Interest-bearing deposits | 117,317,000 | 126,706,000 | 125,518,000 | 129,521,000 |
| Noninterest-bearing deposits | 14,556,000 | 13,472,000 | 13,770,000 | 14,949,000 |
| Equity capital | 11,795,000 | 11,917,000 | 12,501,000 | 11,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,002,000 | 5,953,000 | 8,885,000 | 11,747,000 |
| Interest expense | 1,782,000 | 3,495,000 | 5,143,000 | 6,657,000 |
| Net interest income | 1,220,000 | 2,458,000 | 3,742,000 | 5,090,000 |
| Noninterest income | 147,000 | 319,000 | 484,000 | 714,000 |
| Noninterest expense | 1,033,000 | 2,007,000 | 3,065,000 | 4,079,000 |
| Provision for loan losses | 65,000 | 125,000 | 200,000 | 300,000 |
| Pretax income | 383,000 | 788,000 | 1,179,000 | 1,692,000 |
| Income tax | 108,000 | 222,000 | 322,000 | 489,000 |
| Net income | 275,000 | 566,000 | 857,000 | 1,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,461,000 | 9,759,000 | 10,042,000 | 10,130,000 |
| Total capital | 10,354,000 | 10,708,000 | 11,027,000 | 11,139,000 |
| Risk-weighted assets | 100,322,000 | 103,338,000 | 106,532,000 | 118,911,000 |