Call reports 2010
HEARTLAND TRI-STATE BANK — 2010
What HEARTLAND TRI-STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 66,192,000 | 70,186,000 | 67,041,000 | 75,868,000 |
| Total loans | 42,008,000 | 42,997,000 | 44,477,000 | 46,262,000 |
| Allowance for loan losses | 912,000 | 968,000 | 655,000 | 703,000 |
| Securities available for sale | 14,857,000 | 15,111,000 | 14,450,000 | 14,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,601,000 | 62,607,000 | 59,056,000 | 68,027,000 |
| Interest-bearing deposits | 51,213,000 | 54,636,000 | 51,620,000 | 58,053,000 |
| Noninterest-bearing deposits | 7,388,000 | 7,971,000 | 7,436,000 | 9,974,000 |
| Equity capital | 7,157,000 | 7,293,000 | 7,475,000 | 7,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 767,000 | 1,566,000 | 2,378,000 | 3,176,000 |
| Interest expense | 170,000 | 337,000 | 494,000 | 632,000 |
| Net interest income | 597,000 | 1,229,000 | 1,884,000 | 2,544,000 |
| Noninterest income | 142,000 | 297,000 | 452,000 | 601,000 |
| Noninterest expense | 457,000 | 926,000 | 1,404,000 | 1,877,000 |
| Provision for loan losses | 90,000 | 150,000 | 180,000 | 210,000 |
| Pretax income | 192,000 | 450,000 | 758,000 | 1,064,000 |
| Income tax | 68,000 | 149,000 | 254,000 | 359,000 |
| Net income | 124,000 | 301,000 | 504,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,113,000 | 7,191,000 | 7,294,000 | 7,395,000 |
| Total capital | 7,662,000 | 7,745,000 | 7,824,000 | 7,920,000 |
| Risk-weighted assets | 43,171,000 | 43,221,000 | 43,037,000 | 46,041,000 |