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 | 172,187,000 | 176,226,000 | 186,637,000 | 192,347,000 |
| Total loans | 131,400,000 | 135,613,000 | 137,774,000 | 133,683,000 |
| Allowance for loan losses | 1,842,000 | 2,174,000 | 1,182,000 | 1,284,000 |
| Securities available for sale | 12,482,000 | 12,185,000 | 16,283,000 | 19,397,000 |
| Securities held to maturity | 12,888,000 | 11,694,000 | 10,015,000 | 13,711,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,618,000 | 129,117,000 | 131,200,000 | 142,342,000 |
| Interest-bearing deposits | 110,972,000 | 114,089,000 | 119,222,000 | 127,353,000 |
| Noninterest-bearing deposits | 11,646,000 | 15,028,000 | 11,978,000 | 14,989,000 |
| Equity capital | 14,750,000 | 14,721,000 | 15,146,000 | 15,434,000 |
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 | 2,930,000 | 5,686,000 | 8,286,000 | 10,969,000 |
| Interest expense | 1,184,000 | 2,223,000 | 3,205,000 | 4,214,000 |
| Net interest income | 1,746,000 | 3,463,000 | 5,081,000 | 6,755,000 |
| Noninterest income | 245,000 | 509,000 | 810,000 | 1,036,000 |
| Noninterest expense | 1,278,000 | 2,709,000 | 4,138,000 | 5,313,000 |
| Provision for loan losses | 30,000 | 360,000 | 390,000 | 1,020,000 |
| Pretax income | 683,000 | 903,000 | 1,363,000 | 1,458,000 |
| Income tax | 192,000 | 246,000 | 379,000 | 425,000 |
| Net income | 491,000 | 657,000 | 984,000 | 1,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,233,000 | 14,400,000 | 14,727,000 | 14,776,000 |
| Total capital | 16,050,000 | 16,254,000 | 15,909,000 | 16,060,000 |
| Risk-weighted assets | 148,614,000 | 151,431,000 | 155,265,000 | 153,019,000 |