Call reports 2013
HERITAGE BANK OF CENTRAL ILLINOIS — 2013
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 294,010,000 | 290,888,000 | 296,353,000 | 285,080,000 |
| Total loans | 201,537,000 | 202,647,000 | 204,927,000 | 199,985,000 |
| Allowance for loan losses | 3,001,000 | 2,999,000 | 3,830,000 | 2,974,000 |
| Securities available for sale | 59,342,000 | 56,803,000 | 61,221,000 | 60,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,748,000 | 228,644,000 | 230,291,000 | 222,265,000 |
| Interest-bearing deposits | 197,286,000 | 198,181,000 | 200,402,000 | 191,560,000 |
| Noninterest-bearing deposits | 32,462,000 | 30,463,000 | 29,889,000 | 30,705,000 |
| Equity capital | 34,670,000 | 34,176,000 | 34,269,000 | 28,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,873,000 | 5,681,000 | 8,528,000 | 11,374,000 |
| Interest expense | 332,000 | 653,000 | 980,000 | 1,297,000 |
| Net interest income | 2,541,000 | 5,028,000 | 7,548,000 | 10,077,000 |
| Noninterest income | 484,000 | 936,000 | 1,311,000 | 1,688,000 |
| Noninterest expense | 2,132,000 | 4,270,000 | 6,403,000 | 10,017,000 |
| Provision for loan losses | 225,000 | 300,000 | 1,205,000 | 6,950,000 |
| Pretax income | 668,000 | 1,507,000 | 1,364,000 | -5,014,000 |
| Income tax | 228,000 | 525,000 | 430,000 | -987,000 |
| Net income | 440,000 | 982,000 | 934,000 | -4,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,064,000 | 33,617,000 | 33,581,000 | 26,812,000 |
| Total capital | 35,561,000 | 36,153,000 | 36,143,000 | 29,317,000 |
| Risk-weighted assets | 199,281,000 | 202,405,000 | 203,681,000 | 199,945,000 |