Call reports 2004
HEARTLAND BANK AND TRUST COMPANY — 2004
What HEARTLAND BANK AND TRUST COMPANY 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 | 710,451,000 | 723,946,000 | 756,720,000 | 793,048,000 |
| Total loans | 580,316,000 | 593,737,000 | 643,557,000 | 682,000,000 |
| Allowance for loan losses | 6,415,000 | 6,607,000 | 6,860,000 | 6,959,000 |
| Securities available for sale | 47,200,000 | 54,702,000 | 48,839,000 | 50,982,000 |
| Securities held to maturity | 6,999,000 | 6,968,000 | 6,839,000 | 6,237,000 |
| Trading assets | 0 | 2,896,000 | 0 | 0 |
| Total deposits | 607,552,000 | 615,997,000 | 617,682,000 | 668,635,000 |
| Interest-bearing deposits | 513,060,000 | 528,044,000 | 529,371,000 | 569,507,000 |
| Noninterest-bearing deposits | 94,492,000 | 87,953,000 | 88,312,000 | 99,128,000 |
| Equity capital | 66,032,000 | 68,749,000 | 70,099,000 | 72,483,000 |
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 | 9,174,000 | 18,645,000 | 28,614,000 | 39,521,000 |
| Interest expense | 2,836,000 | 5,720,000 | 8,792,000 | 12,261,000 |
| Net interest income | 6,338,000 | 12,925,000 | 19,822,000 | 27,260,000 |
| Noninterest income | 1,794,000 | 3,866,000 | 5,856,000 | 8,683,000 |
| Noninterest expense | 5,170,000 | 10,114,000 | 14,919,000 | 20,814,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 2,662,000 | 6,077,000 | 9,818,000 | 13,888,000 |
| Income tax | 95,000 | 127,000 | 161,000 | 194,000 |
| Net income | 2,567,000 | 5,950,000 | 9,657,000 | 13,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,610,000 | 66,408,000 | 68,034,000 | 70,307,000 |
| Total capital | 71,025,000 | 73,015,000 | 74,894,000 | 77,266,000 |
| Risk-weighted assets | 576,660,000 | 586,431,000 | 638,671,000 | 708,807,000 |