Call reports 2007
HEARTLAND BANK AND TRUST COMPANY — 2007
What HEARTLAND BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 921,154,000 | 922,385,000 | 1,181,635,000 | 1,130,884,000 |
| Total loans | 780,571,000 | 798,034,000 | 963,934,000 | 873,968,000 |
| Allowance for loan losses | 9,923,000 | 8,878,000 | 10,066,000 | 11,212,000 |
| Securities available for sale | 53,929,000 | 50,425,000 | 108,220,000 | 126,351,000 |
| Securities held to maturity | 2,630,000 | 2,624,000 | 2,497,000 | 872,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 806,519,000 | 785,652,000 | 986,791,000 | 966,795,000 |
| Interest-bearing deposits | 713,373,000 | 698,208,000 | 883,402,000 | 848,577,000 |
| Noninterest-bearing deposits | 93,146,000 | 87,444,000 | 103,389,000 | 118,219,000 |
| Equity capital | 82,823,000 | 86,075,000 | 116,354,000 | 113,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 16,278,000 | 32,721,000 | 51,946,000 | 71,361,000 |
| Interest expense | 7,228,000 | 14,462,000 | 23,337,000 | 32,215,000 |
| Net interest income | 9,050,000 | 18,259,000 | 28,609,000 | 39,146,000 |
| Noninterest income | 2,513,000 | 4,472,000 | 7,267,000 | 10,573,000 |
| Noninterest expense | 6,651,000 | 12,826,000 | 20,299,000 | 29,184,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,500,000 | 2,600,000 |
| Pretax income | 4,462,000 | 9,005,000 | 14,077,000 | 17,896,000 |
| Income tax | 33,000 | 66,000 | 99,000 | 132,000 |
| Net income | 4,429,000 | 8,939,000 | 13,978,000 | 17,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,710,000 | 83,997,000 | 93,450,000 | 94,465,000 |
| Total capital | 90,610,000 | 92,875,000 | 103,516,000 | 105,677,000 |
| Risk-weighted assets | 791,918,000 | 818,059,000 | 956,960,000 | 902,603,000 |