Call reports 2004
HEARTLAND COMMUNITY BANK — 2004
What HEARTLAND COMMUNITY 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 | 49,289,000 | 50,652,000 | 50,831,000 | 51,056,000 |
| Total loans | 27,189,000 | 28,749,000 | 29,185,000 | 29,528,000 |
| Allowance for loan losses | 254,000 | 265,000 | 273,000 | 279,000 |
| Securities available for sale | 11,391,000 | 10,933,000 | 11,091,000 | 10,446,000 |
| Securities held to maturity | 6,216,000 | 6,808,000 | 6,439,000 | 6,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,581,000 | 42,734,000 | 41,462,000 | 43,098,000 |
| Interest-bearing deposits | 37,691,000 | 39,147,000 | 37,840,000 | 38,284,000 |
| Noninterest-bearing deposits | 3,890,000 | 3,587,000 | 3,622,000 | 4,814,000 |
| Equity capital | 3,813,000 | 3,520,000 | 3,590,000 | 3,584,000 |
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 | 699,000 | 1,400,000 | 2,137,000 | 2,856,000 |
| Interest expense | 219,000 | 437,000 | 673,000 | 914,000 |
| Net interest income | 480,000 | 963,000 | 1,464,000 | 1,942,000 |
| Noninterest income | 63,000 | 135,000 | 260,000 | 380,000 |
| Noninterest expense | 374,000 | 781,000 | 1,213,000 | 1,685,000 |
| Provision for loan losses | 10,000 | 21,000 | 31,000 | 47,000 |
| Pretax income | 159,000 | 296,000 | 480,000 | 590,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 19,000 |
| Net income | 154,000 | 286,000 | 465,000 | 571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,509,000 | 3,641,000 | 3,520,000 | 3,626,000 |
| Total capital | 3,763,000 | 3,906,000 | 3,793,000 | 3,905,000 |
| Risk-weighted assets | 29,419,000 | 30,626,000 | 31,297,000 | 31,061,000 |