Call reports 2003
HEARTLAND BANK AND TRUST COMPANY — 2003
What HEARTLAND BANK AND TRUST COMPANY 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 | 640,739,000 | 666,217,000 | 683,543,000 | 707,340,000 |
| Total loans | 533,175,000 | 558,836,000 | 555,282,000 | 561,262,000 |
| Allowance for loan losses | 5,559,000 | 5,834,000 | 6,070,000 | 6,172,000 |
| Securities available for sale | 49,987,000 | 44,579,000 | 45,371,000 | 48,347,000 |
| Securities held to maturity | 10,975,000 | 10,913,000 | 10,233,000 | 7,997,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 521,803,000 | 553,206,000 | 568,956,000 | 600,195,000 |
| Interest-bearing deposits | 444,823,000 | 468,624,000 | 486,367,000 | 516,439,000 |
| Noninterest-bearing deposits | 76,980,000 | 84,582,000 | 82,589,000 | 83,756,000 |
| Equity capital | 62,476,000 | 63,943,000 | 66,290,000 | 65,454,000 |
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 | 9,351,000 | 18,771,000 | 28,324,000 | 37,552,000 |
| Interest expense | 3,037,000 | 6,003,000 | 8,944,000 | 11,848,000 |
| Net interest income | 6,314,000 | 12,768,000 | 19,380,000 | 25,704,000 |
| Noninterest income | 3,192,000 | 6,407,000 | 9,578,000 | 12,922,000 |
| Noninterest expense | 4,919,000 | 9,517,000 | 14,521,000 | 18,903,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 4,287,000 | 9,058,000 | 13,537,000 | 18,523,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 72,000 |
| Net income | 4,269,000 | 9,022,000 | 13,483,000 | 18,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,119,000 | 61,236,000 | 63,519,000 | 62,330,000 |
| Total capital | 64,678,000 | 67,070,000 | 69,589,000 | 68,502,000 |
| Risk-weighted assets | 523,469,000 | 544,098,000 | 549,255,000 | 562,143,000 |