Call reports 2004
HEARTLAND STATE BANK — 2004
What HEARTLAND STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 31,489,000 | 31,175,000 | 31,848,000 | 32,542,000 |
| Total loans | 25,163,000 | 25,858,000 | 26,916,000 | 26,781,000 |
| Allowance for loan losses | 271,000 | 271,000 | 274,000 | 276,000 |
| Securities available for sale | 2,083,000 | 2,190,000 | 2,187,000 | 2,079,000 |
| Securities held to maturity | 965,000 | 959,000 | 959,000 | 543,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,212,000 | 27,173,000 | 28,380,000 | 29,288,000 |
| Interest-bearing deposits | 22,955,000 | 23,372,000 | 24,994,000 | 24,184,000 |
| Noninterest-bearing deposits | 4,257,000 | 3,801,000 | 3,386,000 | 5,104,000 |
| Equity capital | 2,618,000 | 2,370,000 | 2,409,000 | 2,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 435,000 | 888,000 | 1,361,000 | 1,852,000 |
| Interest expense | 109,000 | 223,000 | 351,000 | 480,000 |
| Net interest income | 326,000 | 665,000 | 1,010,000 | 1,372,000 |
| Noninterest income | 82,000 | 153,000 | 238,000 | 321,000 |
| Noninterest expense | 278,000 | 580,000 | 878,000 | 1,181,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 124,000 | 232,000 | 363,000 | 503,000 |
| Income tax | 7,000 | 11,000 | 16,000 | 24,000 |
| Net income | 117,000 | 221,000 | 347,000 | 479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,601,000 | 2,391,000 | 2,409,000 | 2,540,000 |
| Total capital | 2,872,000 | 2,662,000 | 2,683,000 | 2,816,000 |
| Risk-weighted assets | 24,264,000 | 24,561,000 | 25,587,000 | 25,973,000 |
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