Call reports 2005
HEARTLAND TRI-STATE BANK — 2005
What HEARTLAND TRI-STATE 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 | 47,335,000 | 48,096,000 | 47,665,000 | 57,018,000 |
| Total loans | 30,743,000 | 32,807,000 | 35,009,000 | 36,596,000 |
| Allowance for loan losses | 1,050,000 | 1,059,000 | 1,058,000 | 979,000 |
| Securities available for sale | 7,914,000 | 9,991,000 | 9,956,000 | 10,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,534,000 | 42,279,000 | 41,268,000 | 50,969,000 |
| Interest-bearing deposits | 36,226,000 | 37,032,000 | 35,397,000 | 44,197,000 |
| Noninterest-bearing deposits | 5,308,000 | 5,247,000 | 5,871,000 | 6,772,000 |
| Equity capital | 5,417,000 | 5,442,000 | 5,458,000 | 5,540,000 |
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 | 668,000 | 1,387,000 | 2,139,000 | 2,917,000 |
| Interest expense | 172,000 | 356,000 | 561,000 | 792,000 |
| Net interest income | 496,000 | 1,031,000 | 1,578,000 | 2,125,000 |
| Noninterest income | 157,000 | 300,000 | 449,000 | 595,000 |
| Noninterest expense | 429,000 | 873,000 | 1,261,000 | 1,654,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 209,000 | 438,000 | 746,000 | 1,046,000 |
| Income tax | 79,000 | 166,000 | 283,000 | 397,000 |
| Net income | 130,000 | 272,000 | 463,000 | 649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,492,000 | 5,484,000 | 5,525,000 | 5,611,000 |
| Total capital | 5,875,000 | 5,872,000 | 5,901,000 | 6,017,000 |
| Risk-weighted assets | 30,007,000 | 30,390,000 | 30,441,000 | 31,931,000 |