Call reports 2003
HEARTLAND COMMUNITY BANK — 2003
What HEARTLAND COMMUNITY 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 | 47,327,000 | 48,334,000 | 48,659,000 | 47,792,000 |
| Total loans | 27,232,000 | 27,964,000 | 28,473,000 | 27,886,000 |
| Allowance for loan losses | 257,000 | 261,000 | 274,000 | 261,000 |
| Securities available for sale | 8,068,000 | 9,879,000 | 9,746,000 | 9,678,000 |
| Securities held to maturity | 6,164,000 | 5,466,000 | 5,593,000 | 5,610,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,339,000 | 42,129,000 | 41,867,000 | 41,111,000 |
| Interest-bearing deposits | 37,805,000 | 38,408,000 | 37,782,000 | 37,438,000 |
| Noninterest-bearing deposits | 3,534,000 | 3,721,000 | 4,085,000 | 3,673,000 |
| Equity capital | 3,511,000 | 3,778,000 | 3,338,000 | 3,475,000 |
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 | 715,000 | 1,439,000 | 2,165,000 | 2,914,000 |
| Interest expense | 287,000 | 557,000 | 825,000 | 1,064,000 |
| Net interest income | 428,000 | 882,000 | 1,340,000 | 1,850,000 |
| Noninterest income | 52,000 | 116,000 | 139,000 | 242,000 |
| Noninterest expense | 359,000 | 741,000 | 1,099,000 | 1,624,000 |
| Provision for loan losses | 275,000 | 297,000 | 310,000 | 375,000 |
| Pretax income | -154,000 | -40,000 | 70,000 | 93,000 |
| Income tax | 121,000 | 126,000 | 130,000 | -23,000 |
| Net income | -275,000 | -166,000 | -60,000 | 116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,274,000 | 3,383,000 | 3,179,000 | 3,355,000 |
| Total capital | 3,531,000 | 3,644,000 | 3,453,000 | 3,616,000 |
| Risk-weighted assets | 28,211,000 | 28,756,000 | 30,182,000 | 30,137,000 |