Call reports 2004
HEARTHSIDE BANK CORPORATION — 2004
What HEARTHSIDE BANK CORPORATION 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 | 264,923,000 | 272,377,000 | 285,111,000 | 278,132,000 |
| Total loans | 194,149,000 | 193,480,000 | 205,155,000 | 205,339,000 |
| Allowance for loan losses | 1,514,000 | 1,665,000 | 1,719,000 | 1,850,000 |
| Securities available for sale | 50,049,000 | 60,159,000 | 59,391,000 | 51,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,807,000 | 215,647,000 | 220,565,000 | 221,328,000 |
| Interest-bearing deposits | 197,410,000 | 204,057,000 | 206,746,000 | 208,867,000 |
| Noninterest-bearing deposits | 11,397,000 | 11,590,000 | 13,819,000 | 12,461,000 |
| Equity capital | 22,965,000 | 22,611,000 | 22,975,000 | 23,472,000 |
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 | 3,751,000 | 7,467,000 | 11,383,000 | 15,428,000 |
| Interest expense | 1,317,000 | 2,684,000 | 4,125,000 | 5,617,000 |
| Net interest income | 2,434,000 | 4,783,000 | 7,258,000 | 9,811,000 |
| Noninterest income | 370,000 | 789,000 | 1,241,000 | 1,603,000 |
| Noninterest expense | 1,985,000 | 3,992,000 | 6,239,000 | 8,040,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 669,000 | 1,280,000 | 1,810,000 | 2,807,000 |
| Income tax | 184,000 | 351,000 | 495,000 | 828,000 |
| Net income | 485,000 | 929,000 | 1,315,000 | 1,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,018,000 | 22,499,000 | 22,219,000 | 22,936,000 |
| Total capital | 23,532,000 | 24,164,000 | 23,938,000 | 24,786,000 |
| Risk-weighted assets | 167,788,000 | 169,031,000 | 179,177,000 | 179,697,000 |