Call reports 2008
HEARTLAND COMMUNITY BANK — 2008
What HEARTLAND COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 226,048,000 | 214,915,000 | 225,752,000 | 229,999,000 |
| Total loans | 159,262,000 | 159,918,000 | 161,835,000 | 159,153,000 |
| Allowance for loan losses | 2,018,000 | 1,990,000 | 2,918,000 | 2,880,000 |
| Securities available for sale | 36,726,000 | 36,448,000 | 37,031,000 | 41,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,950,000 | 173,191,000 | 174,268,000 | 176,343,000 |
| Interest-bearing deposits | 156,514,000 | 149,172,000 | 149,287,000 | 153,292,000 |
| Noninterest-bearing deposits | 24,436,000 | 24,019,000 | 24,981,000 | 23,051,000 |
| Equity capital | 19,077,000 | 17,957,000 | 17,772,000 | 16,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,197,000 | 6,305,000 | 9,386,000 | 12,414,000 |
| Interest expense | 1,388,000 | 2,603,000 | 3,636,000 | 4,540,000 |
| Net interest income | 1,809,000 | 3,702,000 | 5,750,000 | 7,874,000 |
| Noninterest income | 593,000 | 1,227,000 | 1,837,000 | 2,453,000 |
| Noninterest expense | 2,021,000 | 4,309,000 | 6,426,000 | 8,649,000 |
| Provision for loan losses | 75,000 | 200,000 | 1,265,000 | 2,545,000 |
| Pretax income | 306,000 | 420,000 | -104,000 | -867,000 |
| Income tax | 45,000 | 30,000 | -200,000 | -621,000 |
| Net income | 261,000 | 390,000 | 96,000 | -246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,953,000 | 18,385,000 | 18,096,000 | 17,755,000 |
| Total capital | 20,971,000 | 20,375,000 | 20,186,000 | 19,825,000 |
| Risk-weighted assets | 162,496,000 | 161,541,000 | 166,371,000 | 164,813,000 |