Call reports 2015
HERITAGE BANK OF CENTRAL ILLINOIS — 2015
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 269,013,000 | 264,591,000 | 258,615,000 | 256,485,000 |
| Total loans | 194,218,000 | 189,711,000 | 182,400,000 | 165,548,000 |
| Allowance for loan losses | 3,643,000 | 3,234,000 | 4,332,000 | 3,126,000 |
| Securities available for sale | 56,957,000 | 56,367,000 | 55,130,000 | 61,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,757,000 | 209,962,000 | 207,317,000 | 205,387,000 |
| Interest-bearing deposits | 177,252,000 | 176,329,000 | 174,274,000 | 170,621,000 |
| Noninterest-bearing deposits | 34,505,000 | 33,633,000 | 33,043,000 | 34,766,000 |
| Equity capital | 29,480,000 | 29,216,000 | 29,356,000 | 28,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,479,000 | 4,910,000 | 7,360,000 | 9,607,000 |
| Interest expense | 272,000 | 557,000 | 844,000 | 1,123,000 |
| Net interest income | 2,207,000 | 4,353,000 | 6,516,000 | 8,484,000 |
| Noninterest income | 359,000 | 897,000 | 1,312,000 | 1,642,000 |
| Noninterest expense | 2,013,000 | 4,169,000 | 6,222,000 | 8,208,000 |
| Provision for loan losses | 187,000 | 740,000 | 1,330,000 | 2,084,000 |
| Pretax income | 478,000 | 494,000 | 429,000 | 299,000 |
| Income tax | 143,000 | 86,000 | 35,000 | 11,000 |
| Net income | 335,000 | 408,000 | 394,000 | 288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,505,000 | 26,525,000 | 26,674,000 | 26,253,000 |
| Total capital | 29,045,000 | 29,018,000 | 29,092,000 | 28,451,000 |
| Risk-weighted assets | 200,961,000 | 197,477,000 | 190,400,000 | 173,608,000 |