Call reports 2008
HEARTLAND TRI-STATE BANK — 2008
What HEARTLAND TRI-STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 60,500,000 | 62,018,000 | 62,873,000 | 67,107,000 |
| Total loans | 37,099,000 | 39,562,000 | 45,111,000 | 47,502,000 |
| Allowance for loan losses | 559,000 | 566,000 | 728,000 | 736,000 |
| Securities available for sale | 14,773,000 | 15,054,000 | 13,901,000 | 15,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,399,000 | 55,026,000 | 48,279,000 | 59,581,000 |
| Interest-bearing deposits | 45,448,000 | 47,269,000 | 40,915,000 | 51,460,000 |
| Noninterest-bearing deposits | 7,951,000 | 7,757,000 | 7,364,000 | 8,121,000 |
| Equity capital | 6,729,000 | 6,683,000 | 6,761,000 | 7,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 946,000 | 1,863,000 | 2,812,000 | 3,784,000 |
| Interest expense | 351,000 | 651,000 | 933,000 | 1,198,000 |
| Net interest income | 595,000 | 1,212,000 | 1,879,000 | 2,586,000 |
| Noninterest income | 155,000 | 316,000 | 491,000 | 663,000 |
| Noninterest expense | 497,000 | 953,000 | 1,408,000 | 1,868,000 |
| Provision for loan losses | -31,000 | -26,000 | 135,000 | 135,000 |
| Pretax income | 284,000 | 596,000 | 822,000 | 1,241,000 |
| Income tax | 95,000 | 201,000 | 275,000 | 424,000 |
| Net income | 189,000 | 395,000 | 547,000 | 817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,573,000 | 6,679,000 | 6,731,000 | 6,901,000 |
| Total capital | 6,672,000 | 6,743,000 | 7,243,000 | 7,427,000 |
| Risk-weighted assets | 36,350,000 | 39,641,000 | 40,738,000 | 43,100,000 |