Call reports 2008
HERITAGE BANK OF CENTRAL ILLINOIS — 2008
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 365,016,000 | 373,038,000 | 379,271,000 | 394,710,000 |
| Total loans | 244,456,000 | 250,594,000 | 254,718,000 | 272,822,000 |
| Allowance for loan losses | 3,911,000 | 3,316,000 | 3,465,000 | 3,866,000 |
| Securities available for sale | 100,340,000 | 97,011,000 | 96,303,000 | 102,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,432,000 | 297,931,000 | 309,953,000 | 315,701,000 |
| Interest-bearing deposits | 259,427,000 | 271,740,000 | 284,070,000 | 288,292,000 |
| Noninterest-bearing deposits | 24,005,000 | 26,191,000 | 25,883,000 | 27,409,000 |
| Equity capital | 28,841,000 | 27,797,000 | 26,698,000 | 30,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,594,000 | 10,860,000 | 16,252,000 | 21,394,000 |
| Interest expense | 3,201,000 | 6,054,000 | 8,830,000 | 11,476,000 |
| Net interest income | 2,393,000 | 4,806,000 | 7,422,000 | 9,918,000 |
| Noninterest income | 429,000 | 876,000 | 1,384,000 | 1,836,000 |
| Noninterest expense | 2,167,000 | 4,457,000 | 6,831,000 | 9,141,000 |
| Provision for loan losses | 167,000 | 378,000 | 787,000 | 1,197,000 |
| Pretax income | 537,000 | 914,000 | 1,261,000 | 1,151,000 |
| Income tax | 153,000 | 255,000 | 372,000 | 286,000 |
| Net income | 384,000 | 659,000 | 889,000 | 865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,397,000 | 27,559,000 | 27,800,000 | 28,238,000 |
| Total capital | 30,597,000 | 30,875,000 | 31,207,000 | 31,835,000 |
| Risk-weighted assets | 255,277,000 | 268,676,000 | 272,500,000 | 287,452,000 |