Call reports 2004
HIGHLANDS BANK, THE — 2004
What HIGHLANDS BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 69,690,000 | 71,930,000 | 74,014,000 | 77,002,000 |
| Total loans | 48,179,000 | 50,870,000 | 55,741,000 | 57,059,000 |
| Allowance for loan losses | 508,000 | 493,000 | 517,000 | 592,000 |
| Securities available for sale | 9,388,000 | 10,401,000 | 9,965,000 | 8,937,000 |
| Securities held to maturity | 3,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,630,000 | 65,028,000 | 66,657,000 | 69,856,000 |
| Interest-bearing deposits | 52,415,000 | 53,146,000 | 55,052,000 | 56,847,000 |
| Noninterest-bearing deposits | 10,215,000 | 11,882,000 | 11,605,000 | 13,009,000 |
| Equity capital | 6,820,000 | 6,647,000 | 7,005,000 | 6,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,000,000 | 2,013,000 | 3,124,000 | 4,295,000 |
| Interest expense | 257,000 | 527,000 | 813,000 | 1,115,000 |
| Net interest income | 743,000 | 1,486,000 | 2,311,000 | 3,180,000 |
| Noninterest income | 101,000 | 215,000 | 328,000 | 422,000 |
| Noninterest expense | 491,000 | 1,030,000 | 1,562,000 | 2,175,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 158,000 |
| Pretax income | 330,000 | 639,000 | 1,012,000 | 1,272,000 |
| Income tax | 0 | 0 | 0 | 16,000 |
| Net income | 330,000 | 639,000 | 1,012,000 | 1,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,650,000 | 6,748,000 | 6,987,000 | 6,932,000 |
| Total capital | 7,158,000 | 7,241,000 | 7,504,000 | 7,524,000 |
| Risk-weighted assets | 49,402,000 | 51,909,000 | 56,223,000 | 57,943,000 |
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