Call reports 2009
HERITAGE BANK OF CENTRAL ILLINOIS — 2009
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 382,755,000 | 386,814,000 | 384,775,000 | 374,007,000 |
| Total loans | 267,663,000 | 274,298,000 | 270,320,000 | 266,445,000 |
| Allowance for loan losses | 4,847,000 | 4,797,000 | 5,055,000 | 5,217,000 |
| Securities available for sale | 97,840,000 | 84,955,000 | 83,125,000 | 79,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,777,000 | 312,604,000 | 308,780,000 | 297,299,000 |
| Interest-bearing deposits | 281,338,000 | 287,230,000 | 284,064,000 | 270,649,000 |
| Noninterest-bearing deposits | 24,439,000 | 25,374,000 | 24,716,000 | 26,650,000 |
| Equity capital | 29,651,000 | 28,428,000 | 29,440,000 | 31,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,025,000 | 9,975,000 | 14,852,000 | 19,485,000 |
| Interest expense | 2,380,000 | 4,462,000 | 6,424,000 | 8,198,000 |
| Net interest income | 2,645,000 | 5,513,000 | 8,428,000 | 11,287,000 |
| Noninterest income | 475,000 | 999,000 | 1,508,000 | 2,016,000 |
| Noninterest expense | 2,348,000 | 4,924,000 | 7,390,000 | 11,190,000 |
| Provision for loan losses | 1,571,000 | 2,403,000 | 2,909,000 | 3,933,000 |
| Pretax income | -733,000 | -771,000 | -244,000 | -1,622,000 |
| Income tax | -385,000 | -423,000 | -276,000 | -761,000 |
| Net income | -348,000 | -348,000 | 32,000 | -861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,715,000 | 27,127,000 | 27,518,000 | 31,466,000 |
| Total capital | 31,240,000 | 30,705,000 | 31,011,000 | 34,891,000 |
| Risk-weighted assets | 280,670,000 | 284,988,000 | 277,856,000 | 272,217,000 |