Call reports 2007
HEARTLAND BANK — 2007
What HEARTLAND BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 159,891,000 | 163,756,000 | 169,120,000 | 175,655,000 |
| Total loans | 124,955,000 | 127,116,000 | 132,774,000 | 135,242,000 |
| Allowance for loan losses | 1,684,000 | 1,705,000 | 1,718,000 | 1,790,000 |
| Securities available for sale | 9,333,000 | 8,715,000 | 10,056,000 | 12,460,000 |
| Securities held to maturity | 12,729,000 | 13,185,000 | 13,428,000 | 13,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,480,000 | 131,337,000 | 119,311,000 | 122,939,000 |
| Interest-bearing deposits | 123,606,000 | 117,987,000 | 109,526,000 | 110,195,000 |
| Noninterest-bearing deposits | 9,874,000 | 13,350,000 | 9,785,000 | 12,744,000 |
| Equity capital | 13,937,000 | 13,881,000 | 14,363,000 | 14,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,808,000 | 5,686,000 | 8,691,000 | 11,751,000 |
| Interest expense | 1,337,000 | 2,680,000 | 4,057,000 | 5,429,000 |
| Net interest income | 1,471,000 | 3,006,000 | 4,634,000 | 6,322,000 |
| Noninterest income | 265,000 | 530,000 | 800,000 | 1,114,000 |
| Noninterest expense | 982,000 | 2,042,000 | 3,177,000 | 4,576,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 150,000 |
| Pretax income | 739,000 | 1,464,000 | 2,212,000 | 2,710,000 |
| Income tax | 187,000 | 365,000 | 570,000 | 698,000 |
| Net income | 552,000 | 1,099,000 | 1,642,000 | 2,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,621,000 | 13,722,000 | 14,075,000 | 13,743,000 |
| Total capital | 15,305,000 | 15,355,000 | 15,793,000 | 15,533,000 |
| Risk-weighted assets | 138,089,000 | 141,091,000 | 147,945,000 | 150,902,000 |