Call reports 2014
HEARTLAND TRI-STATE BANK — 2014
What HEARTLAND TRI-STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 72,051,000 | 75,900,000 | 73,987,000 | 77,202,000 |
| Total loans | 40,085,000 | 44,185,000 | 45,286,000 | 46,238,000 |
| Allowance for loan losses | 353,000 | 344,000 | 318,000 | 349,000 |
| Securities available for sale | 25,065,000 | 26,103,000 | 21,942,000 | 22,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,102,000 | 57,948,000 | 55,107,000 | 64,454,000 |
| Interest-bearing deposits | 22,063,000 | 23,411,000 | 25,144,000 | 23,915,000 |
| Noninterest-bearing deposits | 36,039,000 | 34,537,000 | 29,963,000 | 40,539,000 |
| Equity capital | 8,244,000 | 8,540,000 | 8,562,000 | 8,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 745,000 | 1,486,000 | 2,230,000 | 2,988,000 |
| Interest expense | 62,000 | 126,000 | 196,000 | 265,000 |
| Net interest income | 683,000 | 1,360,000 | 2,034,000 | 2,723,000 |
| Noninterest income | 131,000 | 261,000 | 380,000 | 500,000 |
| Noninterest expense | 536,000 | 1,098,000 | 1,626,000 | 2,168,000 |
| Provision for loan losses | 15,000 | 25,000 | 51,000 | 85,000 |
| Pretax income | 274,000 | 509,000 | 764,000 | 998,000 |
| Income tax | 82,000 | 148,000 | 219,000 | 257,000 |
| Net income | 192,000 | 361,000 | 545,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,338,000 | 8,515,000 | 8,480,000 | 8,676,000 |
| Total capital | 8,691,000 | 8,859,000 | 8,798,000 | 9,025,000 |
| Risk-weighted assets | 41,012,000 | 43,910,000 | 45,388,000 | 45,475,000 |