Call reports 2010
HERITAGE BANK OF CENTRAL ILLINOIS — 2010
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 357,719,000 | 352,045,000 | 334,229,000 | 325,408,000 |
| Total loans | 256,708,000 | 250,760,000 | 248,070,000 | 240,406,000 |
| Allowance for loan losses | 6,306,000 | 5,440,000 | 5,651,000 | 4,766,000 |
| Securities available for sale | 79,635,000 | 72,298,000 | 65,167,000 | 64,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,339,000 | 279,680,000 | 259,825,000 | 256,473,000 |
| Interest-bearing deposits | 259,513,000 | 257,079,000 | 234,987,000 | 231,925,000 |
| Noninterest-bearing deposits | 23,826,000 | 22,601,000 | 24,838,000 | 24,548,000 |
| Equity capital | 31,945,000 | 32,951,000 | 33,392,000 | 32,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,416,000 | 8,607,000 | 12,630,000 | 16,432,000 |
| Interest expense | 1,538,000 | 2,891,000 | 4,092,000 | 5,143,000 |
| Net interest income | 2,878,000 | 5,716,000 | 8,538,000 | 11,289,000 |
| Noninterest income | 343,000 | 465,000 | 994,000 | 1,730,000 |
| Noninterest expense | 2,256,000 | 4,489,000 | 6,762,000 | 9,129,000 |
| Provision for loan losses | 1,080,000 | 1,233,000 | 1,844,000 | 3,601,000 |
| Pretax income | -113,000 | 484,000 | 972,000 | 373,000 |
| Income tax | -60,000 | 117,000 | 214,000 | -9,000 |
| Net income | -53,000 | 367,000 | 758,000 | 382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,424,000 | 31,856,000 | 32,258,000 | 31,894,000 |
| Total capital | 34,735,000 | 35,056,000 | 35,385,000 | 34,929,000 |
| Risk-weighted assets | 261,895,000 | 253,725,000 | 247,623,000 | 241,056,000 |