Call reports 2002
HERITAGE BANK OF CENTRAL ILLINOIS — 2002
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 193,406,000 | 202,123,000 | 217,312,000 | 226,430,000 |
| Total loans | 119,851,000 | 124,814,000 | 133,424,000 | 138,610,000 |
| Allowance for loan losses | 1,044,000 | 1,088,000 | 1,052,000 | 1,104,000 |
| Securities available for sale | 58,589,000 | 63,063,000 | 66,270,000 | 70,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,697,000 | 160,647,000 | 173,286,000 | 177,027,000 |
| Interest-bearing deposits | 133,435,000 | 145,058,000 | 156,705,000 | 160,071,000 |
| Noninterest-bearing deposits | 16,262,000 | 15,589,000 | 16,581,000 | 16,956,000 |
| Equity capital | 14,488,000 | 16,240,000 | 16,727,000 | 17,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,902,000 | 5,922,000 | 9,057,000 | 12,299,000 |
| Interest expense | 1,364,000 | 2,733,000 | 4,156,000 | 5,544,000 |
| Net interest income | 1,538,000 | 3,189,000 | 4,901,000 | 6,755,000 |
| Noninterest income | 171,000 | 342,000 | 518,000 | 706,000 |
| Noninterest expense | 1,118,000 | 2,212,000 | 3,359,000 | 4,554,000 |
| Provision for loan losses | 51,000 | 102,000 | 153,000 | 204,000 |
| Pretax income | 605,000 | 1,297,000 | 1,999,000 | 2,842,000 |
| Income tax | 181,000 | 395,000 | 609,000 | 877,000 |
| Net income | 424,000 | 902,000 | 1,390,000 | 1,965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,461,000 | 13,876,000 | 14,304,000 | 14,709,000 |
| Total capital | 14,505,000 | 14,964,000 | 15,356,000 | 15,813,000 |
| Risk-weighted assets | 126,799,000 | 130,854,000 | 138,606,000 | 147,120,000 |