Call reports 2006
HEARTLAND TRI-STATE BANK — 2006
What HEARTLAND TRI-STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 52,045,000 | 59,090,000 | 51,902,000 | 63,975,000 |
| Total loans | 31,259,000 | 33,761,000 | 35,998,000 | 37,804,000 |
| Allowance for loan losses | 983,000 | 969,000 | 1,020,000 | 1,020,000 |
| Securities available for sale | 14,621,000 | 16,658,000 | 12,995,000 | 14,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,885,000 | 53,057,000 | 45,575,000 | 57,403,000 |
| Interest-bearing deposits | 40,277,000 | 47,227,000 | 40,455,000 | 51,668,000 |
| Noninterest-bearing deposits | 5,608,000 | 5,830,000 | 5,120,000 | 5,735,000 |
| Equity capital | 5,680,000 | 5,579,000 | 5,813,000 | 5,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 816,000 | 1,670,000 | 2,611,000 | 3,622,000 |
| Interest expense | 286,000 | 606,000 | 985,000 | 1,376,000 |
| Net interest income | 530,000 | 1,064,000 | 1,626,000 | 2,246,000 |
| Noninterest income | 142,000 | 274,000 | 406,000 | 539,000 |
| Noninterest expense | 403,000 | 808,000 | 1,220,000 | 1,635,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 269,000 | 530,000 | 815,000 | 1,153,000 |
| Income tax | 99,000 | 189,000 | 284,000 | 402,000 |
| Net income | 170,000 | 341,000 | 531,000 | 751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,781,000 | 5,405,000 | 5,842,000 | 5,961,000 |
| Total capital | 6,181,000 | 5,848,000 | 6,260,000 | 6,410,000 |
| Risk-weighted assets | 31,442,000 | 34,914,000 | 32,843,000 | 35,368,000 |