Call reports 2012
HERITAGE BANK OF CENTRAL ILLINOIS — 2012
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 308,290,000 | 308,323,000 | 318,497,000 | 291,859,000 |
| Total loans | 221,778,000 | 216,030,000 | 216,947,000 | 208,120,000 |
| Allowance for loan losses | 5,353,000 | 4,393,000 | 4,079,000 | 3,020,000 |
| Securities available for sale | 64,918,000 | 59,246,000 | 60,691,000 | 62,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,465,000 | 251,531,000 | 259,298,000 | 232,959,000 |
| Interest-bearing deposits | 210,090,000 | 215,516,000 | 223,138,000 | 196,975,000 |
| Noninterest-bearing deposits | 38,375,000 | 36,015,000 | 36,160,000 | 35,984,000 |
| Equity capital | 35,094,000 | 35,728,000 | 36,064,000 | 34,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,343,000 | 6,498,000 | 9,621,000 | 12,687,000 |
| Interest expense | 530,000 | 996,000 | 1,418,000 | 1,798,000 |
| Net interest income | 2,813,000 | 5,502,000 | 8,203,000 | 10,889,000 |
| Noninterest income | 546,000 | 1,096,000 | 1,601,000 | 2,121,000 |
| Noninterest expense | 2,218,000 | 4,441,000 | 6,611,000 | 8,880,000 |
| Provision for loan losses | 1,285,000 | 1,482,000 | 2,283,000 | 2,614,000 |
| Pretax income | -130,000 | 731,000 | 966,000 | 1,572,000 |
| Income tax | -72,000 | 211,000 | 257,000 | 431,000 |
| Net income | -58,000 | 520,000 | 709,000 | 1,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,379,000 | 33,969,000 | 34,169,000 | 32,612,000 |
| Total capital | 36,073,000 | 36,608,000 | 36,823,000 | 35,152,000 |
| Risk-weighted assets | 212,867,000 | 209,367,000 | 210,871,000 | 202,701,000 |