Call reports 2025
HEARTLAND STATE BANK — 2025
What HEARTLAND STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 150,614,000 | 147,945,000 | 155,688,000 | 154,728,000 |
| Total loans | 103,187,000 | 105,608,000 | 112,542,000 | 116,215,000 |
| Allowance for loan losses | 954,000 | 960,000 | 964,000 | 964,000 |
| Securities available for sale | 32,984,000 | 29,947,000 | 28,913,000 | 25,796,000 |
| Securities held to maturity | 825,000 | 760,000 | 760,000 | 139,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,025,000 | 122,930,000 | 116,832,000 | 124,870,000 |
| Interest-bearing deposits | 89,381,000 | 89,285,000 | 84,087,000 | 83,264,000 |
| Noninterest-bearing deposits | 36,644,000 | 33,645,000 | 32,745,000 | 41,606,000 |
| Equity capital | 12,942,000 | 13,463,000 | 13,895,000 | 14,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,209,000 | 4,507,000 | 6,870,000 | 9,284,000 |
| Interest expense | 512,000 | 1,031,000 | 1,612,000 | 2,250,000 |
| Net interest income | 1,697,000 | 3,476,000 | 5,258,000 | 7,034,000 |
| Noninterest income | 199,000 | 395,000 | 623,000 | 833,000 |
| Noninterest expense | 962,000 | 1,933,000 | 2,863,000 | 3,909,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 934,000 | 1,938,000 | 3,018,000 | 3,958,000 |
| Income tax | 53,000 | 114,000 | 177,000 | 211,000 |
| Net income | 881,000 | 1,824,000 | 2,841,000 | 3,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,751,000 | 14,903,000 | 15,073,000 | 15,028,000 |
| Total capital | 15,715,000 | 15,873,000 | 16,046,000 | 16,002,000 |
| Risk-weighted assets | 123,606,000 | 127,517,000 | 133,275,000 | 140,009,000 |