Call reports 2003
HEARTLAND STATE BANK — 2003
What HEARTLAND STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 30,713,000 | 31,357,000 | 31,777,000 | 31,670,000 |
| Total loans | 23,402,000 | 24,456,000 | 24,586,000 | 24,612,000 |
| Allowance for loan losses | 254,000 | 252,000 | 270,000 | 270,000 |
| Securities available for sale | 2,820,000 | 2,449,000 | 2,020,000 | 2,003,000 |
| Securities held to maturity | 1,541,000 | 1,460,000 | 1,444,000 | 1,385,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,327,000 | 27,378,000 | 28,181,000 | 27,478,000 |
| Interest-bearing deposits | 23,830,000 | 24,618,000 | 24,047,000 | 23,354,000 |
| Noninterest-bearing deposits | 3,497,000 | 2,760,000 | 4,134,000 | 4,124,000 |
| Equity capital | 2,223,000 | 2,327,000 | 2,428,000 | 2,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 457,000 | 914,000 | 1,374,000 | 1,797,000 |
| Interest expense | 139,000 | 273,000 | 401,000 | 516,000 |
| Net interest income | 318,000 | 641,000 | 973,000 | 1,281,000 |
| Noninterest income | 63,000 | 135,000 | 204,000 | 306,000 |
| Noninterest expense | 280,000 | 564,000 | 835,000 | 1,130,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 30,000 |
| Pretax income | 111,000 | 222,000 | 328,000 | 444,000 |
| Income tax | 3,000 | 10,000 | 15,000 | 19,000 |
| Net income | 108,000 | 212,000 | 313,000 | 425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,217,000 | 2,321,000 | 2,422,000 | 2,534,000 |
| Total capital | 2,471,000 | 2,573,000 | 2,692,000 | 2,804,000 |
| Risk-weighted assets | 22,894,000 | 23,592,000 | 24,015,000 | 24,404,000 |
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