Call reports 2003
HEARTLAND BANK — 2003
What HEARTLAND 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 | 323,328,000 | 336,804,000 | 334,107,000 | 345,325,000 |
| Total loans | 228,722,000 | 234,841,000 | 239,782,000 | 246,840,000 |
| Allowance for loan losses | 2,278,000 | 2,411,000 | 2,463,000 | 2,524,000 |
| Securities available for sale | 56,589,000 | 63,514,000 | 70,616,000 | 78,169,000 |
| Securities held to maturity | 1,248,000 | 1,150,000 | 1,151,000 | 632,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,650,000 | 300,239,000 | 301,906,000 | 305,474,000 |
| Interest-bearing deposits | 256,835,000 | 262,868,000 | 264,812,000 | 271,111,000 |
| Noninterest-bearing deposits | 33,815,000 | 37,371,000 | 37,094,000 | 34,363,000 |
| Equity capital | 24,867,000 | 26,276,000 | 26,758,000 | 27,778,000 |
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 | 4,555,000 | 9,169,000 | 13,661,000 | 18,299,000 |
| Interest expense | 1,457,000 | 2,893,000 | 4,220,000 | 5,560,000 |
| Net interest income | 3,098,000 | 6,276,000 | 9,441,000 | 12,739,000 |
| Noninterest income | 1,336,000 | 3,047,000 | 4,716,000 | 5,934,000 |
| Noninterest expense | 3,007,000 | 6,178,000 | 9,277,000 | 12,376,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 1,353,000 | 2,923,000 | 4,508,000 | 5,828,000 |
| Income tax | 429,000 | 915,000 | 1,409,000 | 1,710,000 |
| Net income | 924,000 | 2,008,000 | 3,099,000 | 4,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,053,000 | 25,137,000 | 26,228,000 | 27,247,000 |
| Total capital | 26,331,000 | 27,548,000 | 28,691,000 | 29,771,000 |
| Risk-weighted assets | 238,027,000 | 248,158,000 | 248,488,000 | 255,200,000 |
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