Call reports 2003
HEARTHSIDE BANK CORPORATION — 2003
What HEARTHSIDE BANK CORPORATION 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 | 257,268,000 | 260,116,000 | 257,179,000 | 258,854,000 |
| Total loans | 171,940,000 | 184,628,000 | 189,059,000 | 194,414,000 |
| Allowance for loan losses | 1,291,000 | 1,391,000 | 1,495,000 | 1,419,000 |
| Securities available for sale | 66,366,000 | 58,555,000 | 49,858,000 | 45,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,987,000 | 204,913,000 | 202,717,000 | 204,421,000 |
| Interest-bearing deposits | 195,767,000 | 194,125,000 | 191,976,000 | 193,464,000 |
| Noninterest-bearing deposits | 9,220,000 | 10,788,000 | 10,741,000 | 10,957,000 |
| Equity capital | 23,193,000 | 23,846,000 | 23,772,000 | 24,098,000 |
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 | 3,990,000 | 7,889,000 | 11,664,000 | 15,479,000 |
| Interest expense | 1,522,000 | 2,962,000 | 4,355,000 | 5,683,000 |
| Net interest income | 2,468,000 | 4,927,000 | 7,309,000 | 9,796,000 |
| Noninterest income | 327,000 | 663,000 | 1,022,000 | 1,376,000 |
| Noninterest expense | 1,755,000 | 3,520,000 | 5,331,000 | 7,547,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 936,000 | 1,861,000 | 2,686,000 | 3,205,000 |
| Income tax | 275,000 | 550,000 | 784,000 | 917,000 |
| Net income | 661,000 | 1,311,000 | 1,902,000 | 2,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,808,000 | 22,403,000 | 22,856,000 | 23,268,000 |
| Total capital | 23,099,000 | 23,794,000 | 24,351,000 | 24,687,000 |
| Risk-weighted assets | 151,502,000 | 159,917,000 | 162,865,000 | 167,478,000 |