Call reports 2004
HEARTLAND BANK — 2004
What HEARTLAND BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 138,995,000 | 144,428,000 | 149,341,000 | 152,920,000 |
| Total loans | 107,930,000 | 113,916,000 | 120,578,000 | 122,586,000 |
| Allowance for loan losses | 1,408,000 | 1,404,000 | 1,426,000 | 1,526,000 |
| Securities available for sale | 10,385,000 | 9,442,000 | 9,307,000 | 7,446,000 |
| Securities held to maturity | 9,974,000 | 9,852,000 | 10,710,000 | 11,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,260,000 | 109,966,000 | 110,131,000 | 122,927,000 |
| Interest-bearing deposits | 99,315,000 | 99,797,000 | 100,880,000 | 112,277,000 |
| Noninterest-bearing deposits | 9,945,000 | 10,169,000 | 9,251,000 | 10,650,000 |
| Equity capital | 12,465,000 | 12,251,000 | 12,534,000 | 12,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,086,000 | 4,196,000 | 6,446,000 | 8,762,000 |
| Interest expense | 618,000 | 1,232,000 | 1,907,000 | 2,651,000 |
| Net interest income | 1,468,000 | 2,964,000 | 4,539,000 | 6,111,000 |
| Noninterest income | 178,000 | 382,000 | 557,000 | 943,000 |
| Noninterest expense | 1,136,000 | 2,275,000 | 3,398,000 | 4,458,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 124,000 |
| Pretax income | 512,000 | 1,067,000 | 1,688,000 | 2,485,000 |
| Income tax | 131,000 | 267,000 | 444,000 | 682,000 |
| Net income | 381,000 | 800,000 | 1,244,000 | 1,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,930,000 | 11,992,000 | 12,079,000 | 12,281,000 |
| Total capital | 13,338,000 | 13,396,000 | 13,505,000 | 13,807,000 |
| Risk-weighted assets | 121,913,000 | 126,618,000 | 133,445,000 | 138,809,000 |