Call reports 2006
HERITAGE BANK OF CENTRAL ILLINOIS — 2006
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 342,611,000 | 357,818,000 | 373,766,000 | 377,807,000 |
| Total loans | 225,020,000 | 235,267,000 | 248,889,000 | 248,845,000 |
| Allowance for loan losses | 2,617,000 | 3,149,000 | 3,240,000 | 4,881,000 |
| Securities available for sale | 97,044,000 | 96,955,000 | 103,186,000 | 105,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,758,000 | 304,387,000 | 312,615,000 | 301,890,000 |
| Interest-bearing deposits | 262,208,000 | 281,122,000 | 290,076,000 | 278,373,000 |
| Noninterest-bearing deposits | 21,550,000 | 23,265,000 | 22,539,000 | 23,517,000 |
| Equity capital | 24,254,000 | 23,609,000 | 25,778,000 | 25,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,199,000 | 10,682,000 | 16,709,000 | 22,668,000 |
| Interest expense | 2,624,000 | 5,616,000 | 8,992,000 | 12,541,000 |
| Net interest income | 2,575,000 | 5,066,000 | 7,717,000 | 10,127,000 |
| Noninterest income | 251,000 | 713,000 | 1,047,000 | 1,406,000 |
| Noninterest expense | 1,619,000 | 3,384,000 | 5,223,000 | 6,953,000 |
| Provision for loan losses | 40,000 | 1,800,000 | 2,558,000 | 4,885,000 |
| Pretax income | 1,167,000 | 590,000 | 978,000 | -310,000 |
| Income tax | 398,000 | 140,000 | 235,000 | -200,000 |
| Net income | 769,000 | 450,000 | 743,000 | -110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,290,000 | 24,981,000 | 25,287,000 | 24,946,000 |
| Total capital | 26,907,000 | 28,130,000 | 28,527,000 | 28,228,000 |
| Risk-weighted assets | 239,327,000 | 252,608,000 | 261,389,000 | 260,992,000 |