Call reports 2005
HEARTLAND BANK — 2005
What HEARTLAND BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 387,215,000 | 400,371,000 | 409,864,000 | 429,150,000 |
| Total loans | 289,485,000 | 300,528,000 | 312,197,000 | 314,775,000 |
| Allowance for loan losses | 2,667,000 | 2,686,000 | 2,780,000 | 2,894,000 |
| Securities available for sale | 79,697,000 | 79,814,000 | 77,954,000 | 78,809,000 |
| Securities held to maturity | 409,000 | 409,000 | 409,000 | 230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,568,000 | 350,589,000 | 356,936,000 | 377,753,000 |
| Interest-bearing deposits | 310,508,000 | 312,729,000 | 317,150,000 | 330,063,000 |
| Noninterest-bearing deposits | 37,060,000 | 37,860,000 | 39,786,000 | 47,690,000 |
| Equity capital | 31,967,000 | 33,259,000 | 33,944,000 | 34,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,316,000 | 11,094,000 | 17,159,000 | 23,708,000 |
| Interest expense | 1,777,000 | 3,747,000 | 5,949,000 | 8,623,000 |
| Net interest income | 3,539,000 | 7,347,000 | 11,210,000 | 15,085,000 |
| Noninterest income | 866,000 | 1,637,000 | 2,364,000 | 3,054,000 |
| Noninterest expense | 2,812,000 | 5,583,000 | 8,273,000 | 11,151,000 |
| Provision for loan losses | 120,000 | 231,000 | 366,000 | 501,000 |
| Pretax income | 1,473,000 | 3,170,000 | 4,935,000 | 6,487,000 |
| Income tax | 433,000 | 960,000 | 1,510,000 | 1,961,000 |
| Net income | 1,040,000 | 2,210,000 | 3,425,000 | 4,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,384,000 | 33,280,000 | 34,221,000 | 34,992,000 |
| Total capital | 35,051,000 | 35,966,000 | 37,001,000 | 37,886,000 |
| Risk-weighted assets | 299,716,000 | 309,702,000 | 318,727,000 | 323,748,000 |
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