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 | 126,133,000 | 124,775,000 | 137,979,000 | 142,732,000 |
| Total loans | 91,970,000 | 94,010,000 | 106,694,000 | 110,421,000 |
| Allowance for loan losses | 1,414,000 | 1,431,000 | 1,397,000 | 1,392,000 |
| Securities available for sale | 5,526,000 | 10,744,000 | 11,948,000 | 11,112,000 |
| Securities held to maturity | 9,795,000 | 10,655,000 | 11,070,000 | 10,427,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,744,000 | 98,606,000 | 98,114,000 | 110,751,000 |
| Interest-bearing deposits | 93,142,000 | 91,780,000 | 90,783,000 | 100,284,000 |
| Noninterest-bearing deposits | 6,602,000 | 6,826,000 | 7,331,000 | 10,467,000 |
| Equity capital | 12,235,000 | 12,246,000 | 12,260,000 | 12,338,000 |
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 | 2,055,000 | 4,031,000 | 6,123,000 | 8,273,000 |
| Interest expense | 716,000 | 1,404,000 | 2,058,000 | 2,702,000 |
| Net interest income | 1,339,000 | 2,627,000 | 4,065,000 | 5,571,000 |
| Noninterest income | 166,000 | 294,000 | 666,000 | 825,000 |
| Noninterest expense | 982,000 | 1,973,000 | 3,013,000 | 4,191,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 523,000 | 955,000 | 1,725,000 | 2,212,000 |
| Income tax | 143,000 | 259,000 | 482,000 | 618,000 |
| Net income | 380,000 | 696,000 | 1,243,000 | 1,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,609,000 | 11,632,000 | 11,886,000 | 11,906,000 |
| Total capital | 12,888,000 | 12,950,000 | 13,283,000 | 13,298,000 |
| Risk-weighted assets | 102,202,000 | 105,347,000 | 118,223,000 | 124,240,000 |