Call reports 2005
HEARTLAND COMMUNITY BANK — 2005
What HEARTLAND COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 195,923,000 | 197,812,000 | 193,943,000 | 196,450,000 |
| Total loans | 128,995,000 | 132,359,000 | 129,159,000 | 127,629,000 |
| Allowance for loan losses | 2,436,000 | 2,180,000 | 2,131,000 | 2,069,000 |
| Securities available for sale | 40,379,000 | 42,520,000 | 44,441,000 | 47,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,697,000 | 161,215,000 | 161,508,000 | 162,832,000 |
| Interest-bearing deposits | 141,394,000 | 139,597,000 | 140,418,000 | 140,539,000 |
| Noninterest-bearing deposits | 25,303,000 | 21,618,000 | 21,090,000 | 22,293,000 |
| Equity capital | 17,109,000 | 17,696,000 | 17,996,000 | 18,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,493,000 | 5,139,000 | 7,926,000 | 10,791,000 |
| Interest expense | 615,000 | 1,352,000 | 2,307,000 | 3,370,000 |
| Net interest income | 1,878,000 | 3,787,000 | 5,619,000 | 7,421,000 |
| Noninterest income | 494,000 | 989,000 | 1,495,000 | 2,005,000 |
| Noninterest expense | 1,681,000 | 3,452,000 | 5,169,000 | 6,867,000 |
| Provision for loan losses | 60,000 | 135,000 | 195,000 | 195,000 |
| Pretax income | 631,000 | 1,189,000 | 1,750,000 | 2,364,000 |
| Income tax | 221,000 | 405,000 | 591,000 | 781,000 |
| Net income | 410,000 | 784,000 | 1,159,000 | 1,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,498,000 | 17,872,000 | 18,246,000 | 18,671,000 |
| Total capital | 19,217,000 | 19,597,000 | 19,955,000 | 20,352,000 |
| Risk-weighted assets | 136,834,000 | 137,583,000 | 136,278,000 | 134,076,000 |