Call reports 2007
HEARTLAND COMMUNITY BANK — 2007
What HEARTLAND COMMUNITY 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 | 51,738,000 | 50,941,000 | 49,665,000 | 49,035,000 |
| Total loans | 32,496,000 | 32,827,000 | 32,066,000 | 31,390,000 |
| Allowance for loan losses | 401,000 | 417,000 | 440,000 | 398,000 |
| Securities available for sale | 6,604,000 | 6,081,000 | 5,137,000 | 4,667,000 |
| Securities held to maturity | 7,567,000 | 7,604,000 | 7,519,000 | 7,631,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,157,000 | 40,508,000 | 39,513,000 | 39,125,000 |
| Interest-bearing deposits | 36,786,000 | 36,366,000 | 34,802,000 | 34,598,000 |
| Noninterest-bearing deposits | 5,371,000 | 4,142,000 | 4,711,000 | 4,527,000 |
| Equity capital | 3,482,000 | 3,561,000 | 3,397,000 | 3,507,000 |
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 | 821,000 | 1,649,000 | 2,476,000 | 3,275,000 |
| Interest expense | 344,000 | 700,000 | 1,064,000 | 1,416,000 |
| Net interest income | 477,000 | 949,000 | 1,412,000 | 1,859,000 |
| Noninterest income | 117,000 | 244,000 | 378,000 | 500,000 |
| Noninterest expense | 425,000 | 857,000 | 1,301,000 | 1,779,000 |
| Provision for loan losses | 0 | 24,000 | 53,000 | 76,000 |
| Pretax income | 169,000 | 312,000 | 436,000 | 504,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 19,000 |
| Net income | 164,000 | 302,000 | 421,000 | 485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,609,000 | 3,689,000 | 3,452,000 | 3,516,000 |
| Total capital | 4,010,000 | 4,106,000 | 3,892,000 | 3,914,000 |
| Risk-weighted assets | 35,655,000 | 35,735,000 | 35,167,000 | 32,589,000 |