Call reports 2004
HEARTLAND COMMUNITY BANK — 2004
What HEARTLAND COMMUNITY BANK 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 | 170,926,000 | 179,155,000 | 187,833,000 | 185,515,000 |
| Total loans | 117,773,000 | 118,013,000 | 124,445,000 | 125,268,000 |
| Allowance for loan losses | 3,366,000 | 3,331,000 | 2,793,000 | 2,492,000 |
| Securities available for sale | 36,515,000 | 40,292,000 | 41,262,000 | 42,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,480,000 | 154,657,000 | 159,928,000 | 157,000,000 |
| Interest-bearing deposits | 122,645,000 | 132,796,000 | 138,287,000 | 135,796,000 |
| Noninterest-bearing deposits | 20,835,000 | 21,861,000 | 21,641,000 | 21,204,000 |
| Equity capital | 16,273,000 | 15,899,000 | 16,776,000 | 17,057,000 |
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 | 2,165,000 | 4,414,000 | 6,748,000 | 9,230,000 |
| Interest expense | 475,000 | 958,000 | 1,470,000 | 2,093,000 |
| Net interest income | 1,690,000 | 3,456,000 | 5,278,000 | 7,137,000 |
| Noninterest income | 437,000 | 989,000 | 1,408,000 | 1,892,000 |
| Noninterest expense | 1,721,000 | 3,467,000 | 5,160,000 | 6,889,000 |
| Provision for loan losses | -200,000 | -200,000 | -200,000 | -200,000 |
| Pretax income | 607,000 | 1,180,000 | 1,763,000 | 2,406,000 |
| Income tax | 219,000 | 430,000 | 622,000 | 840,000 |
| Net income | 388,000 | 750,000 | 1,141,000 | 1,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,911,000 | 16,272,000 | 16,663,000 | 17,088,000 |
| Total capital | 17,469,000 | 17,863,000 | 18,301,000 | 18,737,000 |
| Risk-weighted assets | 122,854,000 | 125,559,000 | 130,328,000 | 131,091,000 |