Call reports 2006
HEARTHSIDE BANK CORPORATION — 2006
What HEARTHSIDE BANK CORPORATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 299,168,000 | 299,102,000 | 296,688,000 | 299,223,000 |
| Total loans | 226,042,000 | 225,539,000 | 225,208,000 | 230,497,000 |
| Allowance for loan losses | 2,046,000 | 2,100,000 | 2,072,000 | 2,071,000 |
| Securities available for sale | 48,574,000 | 46,611,000 | 47,334,000 | 44,949,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,594,000 | 241,255,000 | 236,535,000 | 241,471,000 |
| Interest-bearing deposits | 222,493,000 | 209,402,000 | 218,538,000 | 224,648,000 |
| Noninterest-bearing deposits | 17,101,000 | 31,853,000 | 17,997,000 | 16,823,000 |
| Equity capital | 24,992,000 | 25,218,000 | 26,200,000 | 26,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,524,000 | 9,183,000 | 13,900,000 | 18,684,000 |
| Interest expense | 1,940,000 | 4,124,000 | 6,484,000 | 8,990,000 |
| Net interest income | 2,584,000 | 5,059,000 | 7,416,000 | 9,694,000 |
| Noninterest income | 654,000 | 1,201,000 | 1,786,000 | 2,227,000 |
| Noninterest expense | 2,179,000 | 4,367,000 | 6,483,000 | 8,679,000 |
| Provision for loan losses | 60,000 | 120,000 | 140,000 | 140,000 |
| Pretax income | 999,000 | 1,773,000 | 2,579,000 | 3,102,000 |
| Income tax | 303,000 | 506,000 | 719,000 | 836,000 |
| Net income | 696,000 | 1,267,000 | 1,860,000 | 2,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,381,000 | 25,778,000 | 25,920,000 | 26,393,000 |
| Total capital | 27,428,000 | 27,878,000 | 27,992,000 | 28,464,000 |
| Risk-weighted assets | 198,860,000 | 198,677,000 | 198,761,000 | 201,472,000 |