Call reports 2005
HEARTHSIDE BANK CORPORATION — 2005
What HEARTHSIDE BANK CORPORATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 279,931,000 | 284,266,000 | 285,912,000 | 293,046,000 |
| Total loans | 206,849,000 | 209,992,000 | 213,617,000 | 217,854,000 |
| Allowance for loan losses | 1,985,000 | 1,739,000 | 1,885,000 | 2,029,000 |
| Securities available for sale | 51,685,000 | 50,533,000 | 47,100,000 | 46,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,955,000 | 229,439,000 | 230,266,000 | 237,994,000 |
| Interest-bearing deposits | 210,947,000 | 214,012,000 | 214,435,000 | 218,530,000 |
| Noninterest-bearing deposits | 14,008,000 | 15,427,000 | 15,831,000 | 19,464,000 |
| Equity capital | 23,234,000 | 24,302,000 | 24,247,000 | 24,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,054,000 | 8,207,000 | 12,561,000 | 16,864,000 |
| Interest expense | 1,515,000 | 3,076,000 | 4,753,000 | 6,571,000 |
| Net interest income | 2,539,000 | 5,131,000 | 7,808,000 | 10,293,000 |
| Noninterest income | 463,000 | 934,000 | 1,298,000 | 1,897,000 |
| Noninterest expense | 2,187,000 | 4,336,000 | 6,343,000 | 8,542,000 |
| Provision for loan losses | 150,000 | 0 | 150,000 | 300,000 |
| Pretax income | 665,000 | 1,457,000 | 2,341,000 | 3,076,000 |
| Income tax | 174,000 | 360,000 | 647,000 | 781,000 |
| Net income | 491,000 | 1,097,000 | 1,694,000 | 2,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,167,000 | 24,013,000 | 24,238,000 | 24,899,000 |
| Total capital | 25,152,000 | 25,752,000 | 26,123,000 | 26,929,000 |
| Risk-weighted assets | 181,574,000 | 183,086,000 | 184,908,000 | 190,044,000 |