Call reports 2014
HERITAGE BANK OF CENTRAL ILLINOIS — 2014
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 278,962,000 | 269,642,000 | 271,242,000 | 269,870,000 |
| Total loans | 196,989,000 | 195,305,000 | 198,480,000 | 194,925,000 |
| Allowance for loan losses | 2,842,000 | 3,269,000 | 3,185,000 | 3,343,000 |
| Securities available for sale | 58,833,000 | 55,932,000 | 55,241,000 | 54,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,172,000 | 210,975,000 | 209,181,000 | 207,187,000 |
| Interest-bearing deposits | 188,553,000 | 181,341,000 | 180,337,000 | 175,167,000 |
| Noninterest-bearing deposits | 32,619,000 | 29,634,000 | 28,844,000 | 32,020,000 |
| Equity capital | 28,894,000 | 28,957,000 | 29,620,000 | 29,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,631,000 | 5,057,000 | 7,670,000 | 10,228,000 |
| Interest expense | 297,000 | 576,000 | 855,000 | 1,140,000 |
| Net interest income | 2,334,000 | 4,481,000 | 6,815,000 | 9,088,000 |
| Noninterest income | 373,000 | 972,000 | 1,408,000 | 1,826,000 |
| Noninterest expense | 2,137,000 | 4,283,000 | 6,371,000 | 8,512,000 |
| Provision for loan losses | 212,000 | 414,000 | 418,000 | 700,000 |
| Pretax income | 358,000 | 784,000 | 1,493,000 | 1,761,000 |
| Income tax | 0 | 0 | 0 | -333,000 |
| Net income | 358,000 | 784,000 | 1,493,000 | 2,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,111,000 | 26,983,000 | 27,604,000 | 26,695,000 |
| Total capital | 29,581,000 | 29,393,000 | 30,048,000 | 29,104,000 |
| Risk-weighted assets | 197,240,000 | 191,974,000 | 194,775,000 | 191,779,000 |