Call reports 2004
HEARTLAND TRI-STATE BANK — 2004
What HEARTLAND TRI-STATE 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 | 44,429,000 | 44,932,000 | 46,414,000 | 51,423,000 |
| Total loans | 32,686,000 | 34,825,000 | 36,773,000 | 36,373,000 |
| Allowance for loan losses | 965,000 | 994,000 | 1,023,000 | 1,021,000 |
| Securities available for sale | 3,232,000 | 5,348,000 | 5,391,000 | 5,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,880,000 | 39,101,000 | 37,847,000 | 45,815,000 |
| Interest-bearing deposits | 34,633,000 | 34,279,000 | 33,263,000 | 40,512,000 |
| Noninterest-bearing deposits | 4,247,000 | 4,822,000 | 4,584,000 | 5,303,000 |
| Equity capital | 5,323,000 | 5,437,000 | 5,453,000 | 5,330,000 |
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 | 627,000 | 1,273,000 | 1,948,000 | 2,646,000 |
| Interest expense | 136,000 | 267,000 | 414,000 | 574,000 |
| Net interest income | 491,000 | 1,006,000 | 1,534,000 | 2,072,000 |
| Noninterest income | 156,000 | 316,000 | 466,000 | 610,000 |
| Noninterest expense | 490,000 | 868,000 | 1,292,000 | 1,708,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 127,000 | 394,000 | 618,000 | 854,000 |
| Income tax | 48,000 | 149,000 | 234,000 | 324,000 |
| Net income | 79,000 | 245,000 | 384,000 | 530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,311,000 | 5,477,000 | 5,466,000 | 5,383,000 |
| Total capital | 5,693,000 | 5,871,000 | 5,866,000 | 5,772,000 |
| Risk-weighted assets | 30,017,000 | 30,948,000 | 31,359,000 | 30,509,000 |