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 | 147,986,000 | 153,003,000 | 154,398,000 | 158,958,000 |
| Total loans | 114,782,000 | 116,719,000 | 118,701,000 | 122,925,000 |
| Allowance for loan losses | 1,550,000 | 1,434,000 | 1,445,000 | 1,530,000 |
| Securities available for sale | 9,555,000 | 9,779,000 | 9,986,000 | 9,492,000 |
| Securities held to maturity | 11,873,000 | 12,360,000 | 14,202,000 | 15,318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,553,000 | 121,336,000 | 116,353,000 | 120,450,000 |
| Interest-bearing deposits | 108,908,000 | 110,157,000 | 106,326,000 | 108,772,000 |
| Noninterest-bearing deposits | 9,645,000 | 11,179,000 | 10,027,000 | 11,678,000 |
| Equity capital | 12,651,000 | 12,742,000 | 13,112,000 | 13,004,000 |
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 | 2,243,000 | 4,549,000 | 7,018,000 | 9,394,000 |
| Interest expense | 774,000 | 1,610,000 | 2,516,000 | 3,503,000 |
| Net interest income | 1,469,000 | 2,939,000 | 4,502,000 | 5,891,000 |
| Noninterest income | 219,000 | 467,000 | 683,000 | 835,000 |
| Noninterest expense | 1,133,000 | 2,288,000 | 3,494,000 | 4,520,000 |
| Provision for loan losses | 15,000 | 29,000 | 38,000 | 123,000 |
| Pretax income | 540,000 | 1,089,000 | 1,653,000 | 2,083,000 |
| Income tax | 130,000 | 320,000 | 446,000 | 537,000 |
| Net income | 410,000 | 769,000 | 1,207,000 | 1,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,331,000 | 12,330,000 | 12,768,000 | 12,748,000 |
| Total capital | 13,881,000 | 13,764,000 | 14,213,000 | 14,278,000 |
| Risk-weighted assets | 131,468,000 | 137,328,000 | 138,015,000 | 143,121,000 |