Call reports 2002
HEARTHSIDE BANK CORPORATION — 2002
What HEARTHSIDE BANK CORPORATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 240,319,000 | 246,396,000 | 253,408,000 | 253,933,000 |
| Total loans | 150,887,000 | 154,858,000 | 162,489,000 | 166,809,000 |
| Allowance for loan losses | 855,000 | 975,000 | 1,100,000 | 1,192,000 |
| Securities available for sale | 71,316,000 | 74,637,000 | 74,779,000 | 70,418,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,794,000 | 202,755,000 | 201,216,000 | 200,594,000 |
| Interest-bearing deposits | 193,409,000 | 196,514,000 | 191,953,000 | 192,471,000 |
| Noninterest-bearing deposits | 4,385,000 | 6,241,000 | 9,263,000 | 8,123,000 |
| Equity capital | 19,779,000 | 21,109,000 | 22,181,000 | 22,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,902,000 | 7,951,000 | 12,050,000 | 16,152,000 |
| Interest expense | 1,948,000 | 3,814,000 | 5,575,000 | 7,224,000 |
| Net interest income | 1,954,000 | 4,137,000 | 6,475,000 | 8,928,000 |
| Noninterest income | 287,000 | 576,000 | 825,000 | 1,163,000 |
| Noninterest expense | 1,454,000 | 3,221,000 | 4,842,000 | 6,536,000 |
| Provision for loan losses | 77,000 | 231,000 | 352,000 | 457,000 |
| Pretax income | 710,000 | 1,261,000 | 2,106,000 | 3,098,000 |
| Income tax | 216,000 | 391,000 | 653,000 | 967,000 |
| Net income | 494,000 | 870,000 | 1,453,000 | 2,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,535,000 | 19,932,000 | 20,514,000 | 21,193,000 |
| Total capital | 20,390,000 | 20,907,000 | 21,614,000 | 22,385,000 |
| Risk-weighted assets | 127,183,000 | 134,446,000 | 139,693,000 | 146,410,000 |