Call reports 2005
HERITAGE BANK OF CENTRAL ILLINOIS — 2005
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 293,653,000 | 323,767,000 | 330,190,000 | 339,271,000 |
| Total loans | 190,680,000 | 214,180,000 | 216,743,000 | 222,035,000 |
| Allowance for loan losses | 1,725,000 | 1,781,000 | 1,791,000 | 2,581,000 |
| Securities available for sale | 86,267,000 | 90,272,000 | 93,913,000 | 94,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,065,000 | 275,838,000 | 270,566,000 | 274,009,000 |
| Interest-bearing deposits | 211,976,000 | 252,718,000 | 248,230,000 | 248,717,000 |
| Noninterest-bearing deposits | 21,089,000 | 23,120,000 | 22,336,000 | 25,292,000 |
| Equity capital | 23,209,000 | 25,048,000 | 25,014,000 | 23,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,993,000 | 8,458,000 | 13,237,000 | 18,265,000 |
| Interest expense | 1,473,000 | 3,310,000 | 5,509,000 | 7,918,000 |
| Net interest income | 2,520,000 | 5,148,000 | 7,728,000 | 10,347,000 |
| Noninterest income | 232,000 | 446,000 | 741,000 | 1,010,000 |
| Noninterest expense | 1,346,000 | 2,763,000 | 4,486,000 | 6,118,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 1,565,000 |
| Pretax income | 1,336,000 | 2,683,000 | 3,745,000 | 3,708,000 |
| Income tax | 466,000 | 934,000 | 1,306,000 | 1,253,000 |
| Net income | 870,000 | 1,749,000 | 2,439,000 | 2,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,540,000 | 23,305,000 | 23,907,000 | 23,710,000 |
| Total capital | 24,265,000 | 25,086,000 | 25,698,000 | 26,291,000 |
| Risk-weighted assets | 198,865,000 | 222,021,000 | 225,275,000 | 233,846,000 |