Call reports 2007
HERITAGE BANK OF CENTRAL ILLINOIS — 2007
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 374,598,000 | 367,437,000 | 376,811,000 | 367,683,000 |
| Total loans | 248,873,000 | 243,586,000 | 244,045,000 | 239,256,000 |
| Allowance for loan losses | 4,473,000 | 4,161,000 | 4,108,000 | 4,104,000 |
| Securities available for sale | 105,310,000 | 102,367,000 | 106,808,000 | 107,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,742,000 | 308,047,000 | 314,382,000 | 299,382,000 |
| Interest-bearing deposits | 285,643,000 | 284,497,000 | 288,865,000 | 275,205,000 |
| Noninterest-bearing deposits | 22,099,000 | 23,550,000 | 25,517,000 | 24,177,000 |
| Equity capital | 26,392,000 | 25,318,000 | 27,138,000 | 27,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,928,000 | 11,926,000 | 18,064,000 | 23,977,000 |
| Interest expense | 3,578,000 | 7,220,000 | 10,858,000 | 14,420,000 |
| Net interest income | 2,350,000 | 4,706,000 | 7,206,000 | 9,557,000 |
| Noninterest income | 394,000 | 761,000 | 1,180,000 | 1,599,000 |
| Noninterest expense | 2,011,000 | 4,289,000 | 6,420,000 | 8,771,000 |
| Provision for loan losses | 600,000 | 600,000 | 606,000 | 654,000 |
| Pretax income | 143,000 | 597,000 | 1,381,000 | 1,758,000 |
| Income tax | 0 | 0 | 138,000 | 498,000 |
| Net income | 143,000 | 597,000 | 1,243,000 | 1,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,600,000 | 26,316,000 | 26,973,000 | 27,002,000 |
| Total capital | 28,913,000 | 29,582,000 | 30,219,000 | 30,175,000 |
| Risk-weighted assets | 263,887,000 | 259,595,000 | 258,838,000 | 252,878,000 |