Call reports 2003
HEARTLAND COMMUNITY BANK — 2003
What HEARTLAND COMMUNITY BANK 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 | 176,474,000 | 173,270,000 | 180,583,000 | 167,632,000 |
| Total loans | 122,852,000 | 130,780,000 | 118,510,000 | 115,614,000 |
| Allowance for loan losses | 3,671,000 | 3,802,000 | 3,671,000 | 3,301,000 |
| Securities available for sale | 29,422,000 | 30,310,000 | 35,377,000 | 35,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,575,000 | 149,079,000 | 155,185,000 | 139,216,000 |
| Interest-bearing deposits | 133,889,000 | 126,138,000 | 134,771,000 | 119,711,000 |
| Noninterest-bearing deposits | 19,686,000 | 22,941,000 | 20,414,000 | 19,505,000 |
| Equity capital | 15,268,000 | 15,501,000 | 15,525,000 | 15,762,000 |
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 | 2,388,000 | 4,695,000 | 7,011,000 | 9,232,000 |
| Interest expense | 761,000 | 1,432,000 | 2,029,000 | 2,539,000 |
| Net interest income | 1,627,000 | 3,263,000 | 4,982,000 | 6,693,000 |
| Noninterest income | 521,000 | 1,081,000 | 1,782,000 | 2,172,000 |
| Noninterest expense | 1,745,000 | 3,542,000 | 5,575,000 | 7,297,000 |
| Provision for loan losses | 250,000 | 489,000 | 632,000 | 692,000 |
| Pretax income | 153,000 | 314,000 | 558,000 | 877,000 |
| Income tax | 60,000 | 123,000 | 181,000 | 289,000 |
| Net income | 93,000 | 191,000 | 377,000 | 588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,028,000 | 15,126,000 | 15,312,000 | 15,523,000 |
| Total capital | 16,619,000 | 16,759,000 | 16,913,000 | 17,056,000 |
| Risk-weighted assets | 125,199,000 | 128,435,000 | 126,022,000 | 120,868,000 |