Call reports 2009
HEARTLAND TRI-STATE BANK — 2009
What HEARTLAND TRI-STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 67,923,000 | 70,037,000 | 65,718,000 | 72,838,000 |
| Total loans | 42,758,000 | 43,442,000 | 45,373,000 | 47,057,000 |
| Allowance for loan losses | 823,000 | 876,000 | 904,000 | 1,009,000 |
| Securities available for sale | 16,875,000 | 18,930,000 | 16,063,000 | 12,063,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,254,000 | 62,337,000 | 57,381,000 | 65,436,000 |
| Interest-bearing deposits | 52,050,000 | 54,646,000 | 51,067,000 | 56,564,000 |
| Noninterest-bearing deposits | 8,204,000 | 7,691,000 | 6,314,000 | 8,872,000 |
| Equity capital | 7,123,000 | 7,272,000 | 7,241,000 | 7,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 872,000 | 1,742,000 | 2,370,000 | 3,219,000 |
| Interest expense | 246,000 | 487,000 | 701,000 | 896,000 |
| Net interest income | 626,000 | 1,255,000 | 1,669,000 | 2,323,000 |
| Noninterest income | 145,000 | 299,000 | 494,000 | 669,000 |
| Noninterest expense | 446,000 | 939,000 | 1,415,000 | 1,877,000 |
| Provision for loan losses | 85,000 | 137,000 | 269,000 | 389,000 |
| Pretax income | 240,000 | 478,000 | 479,000 | 875,000 |
| Income tax | 80,000 | 160,000 | 147,000 | 286,000 |
| Net income | 160,000 | 318,000 | 332,000 | 589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,960,000 | 7,119,000 | 7,033,000 | 7,090,000 |
| Total capital | 7,502,000 | 7,662,000 | 7,551,000 | 7,624,000 |
| Risk-weighted assets | 43,019,000 | 43,116,000 | 41,067,000 | 42,283,000 |