Call reports 2011
HERITAGE BANK OF CENTRAL ILLINOIS — 2011
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 311,783,000 | 323,167,000 | 327,949,000 | 314,591,000 |
| Total loans | 229,217,000 | 222,713,000 | 225,305,000 | 224,433,000 |
| Allowance for loan losses | 4,319,000 | 4,539,000 | 4,380,000 | 4,138,000 |
| Securities available for sale | 66,103,000 | 69,466,000 | 68,027,000 | 67,868,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,804,000 | 254,929,000 | 256,797,000 | 241,963,000 |
| Interest-bearing deposits | 217,721,000 | 229,582,000 | 226,388,000 | 212,000,000 |
| Noninterest-bearing deposits | 28,083,000 | 25,347,000 | 30,409,000 | 29,963,000 |
| Equity capital | 32,661,000 | 33,567,000 | 34,513,000 | 34,937,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,606,000 | 7,182,000 | 10,724,000 | 14,245,000 |
| Interest expense | 905,000 | 1,722,000 | 2,493,000 | 3,130,000 |
| Net interest income | 2,701,000 | 5,460,000 | 8,231,000 | 11,115,000 |
| Noninterest income | 414,000 | 840,000 | 1,338,000 | 1,901,000 |
| Noninterest expense | 2,247,000 | 4,413,000 | 6,583,000 | 8,917,000 |
| Provision for loan losses | 532,000 | 959,000 | 1,446,000 | 1,918,000 |
| Pretax income | 392,000 | 991,000 | 1,613,000 | 2,255,000 |
| Income tax | 125,000 | 329,000 | 544,000 | 769,000 |
| Net income | 267,000 | 662,000 | 1,069,000 | 1,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,172,000 | 32,579,000 | 32,997,000 | 33,426,000 |
| Total capital | 35,066,000 | 35,400,000 | 35,779,000 | 36,175,000 |
| Risk-weighted assets | 230,091,000 | 223,939,000 | 220,923,000 | 218,555,000 |