Call reports 2008
HEARTLAND BANK — 2008
What HEARTLAND BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 497,302,000 | 490,210,000 | 511,135,000 | 506,367,000 |
| Total loans | 363,489,000 | 369,329,000 | 375,989,000 | 379,585,000 |
| Allowance for loan losses | 3,115,000 | 3,199,000 | 2,923,000 | 2,871,000 |
| Securities available for sale | 100,644,000 | 94,928,000 | 91,560,000 | 90,901,000 |
| Securities held to maturity | 0 | 428,000 | 4,877,000 | 5,925,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 441,047,000 | 430,014,000 | 446,540,000 | 444,318,000 |
| Interest-bearing deposits | 399,200,000 | 391,276,000 | 408,959,000 | 405,515,000 |
| Noninterest-bearing deposits | 41,847,000 | 38,738,000 | 37,581,000 | 38,803,000 |
| Equity capital | 40,475,000 | 39,408,000 | 40,923,000 | 42,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,056,000 | 15,849,000 | 23,567,000 | 31,168,000 |
| Interest expense | 4,008,000 | 7,500,000 | 10,909,000 | 14,170,000 |
| Net interest income | 4,048,000 | 8,349,000 | 12,658,000 | 16,998,000 |
| Noninterest income | 585,000 | 1,125,000 | 1,836,000 | 2,484,000 |
| Noninterest expense | 3,182,000 | 6,343,000 | 9,546,000 | 12,645,000 |
| Provision for loan losses | 153,000 | 300,000 | 452,000 | 654,000 |
| Pretax income | 1,382,000 | 3,022,000 | 4,687,000 | 6,465,000 |
| Income tax | 419,000 | 930,000 | 1,437,000 | 2,000,000 |
| Net income | 963,000 | 2,092,000 | 3,250,000 | 4,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,432,000 | 40,110,000 | 40,818,000 | 41,583,000 |
| Total capital | 42,547,000 | 43,309,000 | 43,741,000 | 44,454,000 |
| Risk-weighted assets | 375,863,000 | 378,057,000 | 385,151,000 | 381,972,000 |
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