Call reports 2004
HERITAGE BANK OF CENTRAL ILLINOIS — 2004
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 272,199,000 | 277,412,000 | 282,243,000 | 291,332,000 |
| Total loans | 174,834,000 | 178,319,000 | 177,680,000 | 186,038,000 |
| Allowance for loan losses | 1,437,000 | 1,529,000 | 1,595,000 | 1,632,000 |
| Securities available for sale | 80,073,000 | 81,442,000 | 87,527,000 | 87,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,824,000 | 231,717,000 | 227,697,000 | 225,392,000 |
| Interest-bearing deposits | 196,617,000 | 207,302,000 | 208,996,000 | 203,455,000 |
| Noninterest-bearing deposits | 20,207,000 | 24,415,000 | 18,701,000 | 21,937,000 |
| Equity capital | 22,256,000 | 20,269,000 | 23,108,000 | 23,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,559,000 | 7,209,000 | 10,987,000 | 14,881,000 |
| Interest expense | 1,307,000 | 2,619,000 | 3,982,000 | 5,381,000 |
| Net interest income | 2,252,000 | 4,590,000 | 7,005,000 | 9,500,000 |
| Noninterest income | 222,000 | 444,000 | 688,000 | 924,000 |
| Noninterest expense | 1,297,000 | 2,555,000 | 3,956,000 | 5,431,000 |
| Provision for loan losses | 85,000 | 175,000 | 265,000 | 355,000 |
| Pretax income | 1,072,000 | 2,289,000 | 3,482,000 | 4,659,000 |
| Income tax | 377,000 | 800,000 | 1,220,000 | 1,640,000 |
| Net income | 695,000 | 1,489,000 | 2,262,000 | 3,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,649,000 | 20,455,000 | 21,190,000 | 21,758,000 |
| Total capital | 21,086,000 | 21,984,000 | 22,785,000 | 23,390,000 |
| Risk-weighted assets | 181,965,000 | 184,707,000 | 184,899,000 | 191,443,000 |