Call reports 2008
HEARTLAND COMMUNITY BANK — 2008
What HEARTLAND COMMUNITY 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 | 51,766,000 | 52,882,000 | 50,787,000 | 50,003,000 |
| Total loans | 31,290,000 | 34,609,000 | 33,992,000 | 33,802,000 |
| Allowance for loan losses | 390,000 | 382,000 | 385,000 | 334,000 |
| Securities available for sale | 4,209,000 | 3,160,000 | 2,851,000 | 2,092,000 |
| Securities held to maturity | 8,841,000 | 8,808,000 | 8,311,000 | 6,706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,452,000 | 40,400,000 | 40,699,000 | 39,356,000 |
| Interest-bearing deposits | 36,243,000 | 35,094,000 | 35,408,000 | 34,530,000 |
| Noninterest-bearing deposits | 5,209,000 | 5,306,000 | 5,291,000 | 4,826,000 |
| Equity capital | 3,594,000 | 3,595,000 | 3,345,000 | 3,411,000 |
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 | 786,000 | 1,583,000 | 2,356,000 | 3,101,000 |
| Interest expense | 324,000 | 623,000 | 900,000 | 1,155,000 |
| Net interest income | 462,000 | 960,000 | 1,456,000 | 1,946,000 |
| Noninterest income | 112,000 | 233,000 | 363,000 | 474,000 |
| Noninterest expense | 483,000 | 946,000 | 1,457,000 | 1,992,000 |
| Provision for loan losses | 0 | 3,000 | 12,000 | 15,000 |
| Pretax income | 91,000 | 244,000 | 350,000 | 413,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 16,000 |
| Net income | 86,000 | 234,000 | 335,000 | 397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,546,000 | 3,581,000 | 3,325,000 | 3,387,000 |
| Total capital | 3,936,000 | 3,963,000 | 3,710,000 | 3,721,000 |
| Risk-weighted assets | 32,965,000 | 36,066,000 | 35,178,000 | 35,391,000 |