Call reports 2003
HERITAGE BANK OF CENTRAL ILLINOIS — 2003
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 233,892,000 | 242,364,000 | 256,308,000 | 264,318,000 |
| Total loans | 145,761,000 | 151,470,000 | 162,586,000 | 164,880,000 |
| Allowance for loan losses | 1,178,000 | 1,243,000 | 1,318,000 | 1,345,000 |
| Securities available for sale | 70,625,000 | 72,799,000 | 76,233,000 | 78,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,702,000 | 187,171,000 | 211,353,000 | 216,184,000 |
| Interest-bearing deposits | 160,918,000 | 170,249,000 | 193,641,000 | 196,961,000 |
| Noninterest-bearing deposits | 16,784,000 | 16,922,000 | 17,712,000 | 19,223,000 |
| Equity capital | 17,782,000 | 19,231,000 | 18,243,000 | 18,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,252,000 | 6,612,000 | 10,066,000 | 13,613,000 |
| Interest expense | 1,310,000 | 2,644,000 | 3,988,000 | 5,317,000 |
| Net interest income | 1,942,000 | 3,968,000 | 6,078,000 | 8,296,000 |
| Noninterest income | 222,000 | 458,000 | 749,000 | 945,000 |
| Noninterest expense | 1,155,000 | 2,298,000 | 3,585,000 | 4,817,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 958,000 | 2,035,000 | 3,077,000 | 4,057,000 |
| Income tax | 299,000 | 647,000 | 984,000 | 1,370,000 |
| Net income | 659,000 | 1,388,000 | 2,093,000 | 2,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,280,000 | 15,921,000 | 16,538,000 | 17,017,000 |
| Total capital | 16,458,000 | 17,164,000 | 17,856,000 | 18,362,000 |
| Risk-weighted assets | 151,610,000 | 153,999,000 | 167,359,000 | 172,105,000 |