Call reports 2003
HEARTLAND TRI-STATE BANK — 2003
What HEARTLAND TRI-STATE 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 | 43,163,000 | 45,269,000 | 42,209,000 | 49,355,000 |
| Total loans | 31,901,000 | 33,806,000 | 35,073,000 | 37,687,000 |
| Allowance for loan losses | 829,000 | 854,000 | 894,000 | 932,000 |
| Securities available for sale | 3,482,000 | 3,484,000 | 3,217,000 | 2,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,080,000 | 40,091,000 | 36,864,000 | 43,888,000 |
| Interest-bearing deposits | 33,287,000 | 36,336,000 | 32,675,000 | 38,871,000 |
| Noninterest-bearing deposits | 4,793,000 | 3,755,000 | 4,189,000 | 5,017,000 |
| Equity capital | 4,869,000 | 4,968,000 | 5,090,000 | 5,236,000 |
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 | 660,000 | 1,313,000 | 1,981,000 | 2,642,000 |
| Interest expense | 150,000 | 286,000 | 413,000 | 543,000 |
| Net interest income | 510,000 | 1,027,000 | 1,568,000 | 2,099,000 |
| Noninterest income | 128,000 | 259,000 | 408,000 | 537,000 |
| Noninterest expense | 402,000 | 809,000 | 1,242,000 | 1,644,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 190,000 |
| Pretax income | 176,000 | 357,000 | 574,000 | 802,000 |
| Income tax | 67,000 | 135,000 | 220,000 | 304,000 |
| Net income | 109,000 | 222,000 | 354,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,854,000 | 4,956,000 | 5,088,000 | 5,232,000 |
| Total capital | 5,265,000 | 5,353,000 | 5,495,000 | 5,663,000 |
| Risk-weighted assets | 32,439,000 | 31,270,000 | 32,066,000 | 33,977,000 |