Call reports 2007
HEARTLAND TRI-STATE BANK — 2007
What HEARTLAND TRI-STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 60,241,000 | 62,731,000 | 59,052,000 | 62,309,000 |
| Total loans | 35,831,000 | 40,996,000 | 42,852,000 | 44,277,000 |
| Allowance for loan losses | 584,000 | 602,000 | 588,000 | 590,000 |
| Securities available for sale | 13,632,000 | 14,358,000 | 12,578,000 | 11,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,235,000 | 55,744,000 | 49,768,000 | 54,980,000 |
| Interest-bearing deposits | 47,589,000 | 48,639,000 | 43,010,000 | 48,119,000 |
| Noninterest-bearing deposits | 5,646,000 | 7,105,000 | 6,758,000 | 6,861,000 |
| Equity capital | 6,236,000 | 6,226,000 | 6,547,000 | 6,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,009,000 | 2,068,000 | 3,135,000 | 4,164,000 |
| Interest expense | 450,000 | 916,000 | 1,364,000 | 1,753,000 |
| Net interest income | 559,000 | 1,152,000 | 1,771,000 | 2,411,000 |
| Noninterest income | 128,000 | 280,000 | 447,000 | 606,000 |
| Noninterest expense | 430,000 | 861,000 | 1,288,000 | 1,728,000 |
| Provision for loan losses | -438,000 | -418,000 | -424,000 | -446,000 |
| Pretax income | 695,000 | 989,000 | 1,354,000 | 1,735,000 |
| Income tax | 253,000 | 353,000 | 480,000 | 612,000 |
| Net income | 442,000 | 636,000 | 874,000 | 1,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,253,000 | 6,297,000 | 6,534,000 | 6,484,000 |
| Total capital | 6,689,000 | 6,439,000 | 6,657,000 | 6,590,000 |
| Risk-weighted assets | 34,758,000 | 36,320,000 | 36,710,000 | 38,235,000 |