Call reports 2016
HERITAGE BANK OF CENTRAL ILLINOIS — 2016
What HERITAGE BANK OF CENTRAL ILLINOIS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Total assets | 252,708,000 | 256,392,000 |
| Total loans | 166,032,000 | 168,609,000 |
| Allowance for loan losses | 2,535,000 | 17,000 |
| Securities available for sale | 56,535,000 | 33,412,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 203,671,000 | 207,980,000 |
| Interest-bearing deposits | 170,523,000 | 172,521,000 |
| Noninterest-bearing deposits | 33,148,000 | 35,459,000 |
| Equity capital | 28,028,000 | 27,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Interest income | 2,185,000 | 759,000 |
| Interest expense | 276,000 | 57,000 |
| Net interest income | 1,909,000 | 702,000 |
| Noninterest income | 314,000 | 123,000 |
| Noninterest expense | 1,796,000 | 1,223,000 |
| Provision for loan losses | -347,000 | 20,000 |
| Pretax income | 1,126,000 | -418,000 |
| Income tax | 353,000 | 0 |
| Net income | 773,000 | -418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Tier 1 capital | 25,658,000 | 25,462,000 |
| Total capital | 27,863,000 | 25,479,000 |
| Risk-weighted assets | 175,244,000 | 173,680,000 |