Call reports 2005
HIGHLANDS BANK, THE — 2005
What HIGHLANDS BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 78,357,000 | 79,774,000 | 82,645,000 | 84,037,000 |
| Total loans | 55,064,000 | 55,767,000 | 55,802,000 | 57,761,000 |
| Allowance for loan losses | 614,000 | 633,000 | 591,000 | 610,000 |
| Securities available for sale | 10,912,000 | 11,262,000 | 10,928,000 | 11,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,836,000 | 72,211,000 | 74,833,000 | 76,101,000 |
| Interest-bearing deposits | 58,607,000 | 58,749,000 | 58,998,000 | 61,582,000 |
| Noninterest-bearing deposits | 12,229,000 | 13,462,000 | 15,835,000 | 14,519,000 |
| Equity capital | 7,157,000 | 7,259,000 | 7,447,000 | 7,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,180,000 | 2,388,000 | 3,677,000 | 5,007,000 |
| Interest expense | 346,000 | 721,000 | 1,136,000 | 1,585,000 |
| Net interest income | 834,000 | 1,667,000 | 2,541,000 | 3,422,000 |
| Noninterest income | 123,000 | 228,000 | 351,000 | 455,000 |
| Noninterest expense | 554,000 | 1,121,000 | 1,694,000 | 2,359,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 128,000 |
| Pretax income | 380,000 | 729,000 | 1,130,000 | 1,390,000 |
| Income tax | 0 | 0 | 0 | 16,000 |
| Net income | 380,000 | 729,000 | 1,130,000 | 1,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,312,000 | 7,324,000 | 7,563,000 | 7,807,000 |
| Total capital | 7,926,000 | 7,957,000 | 8,154,000 | 8,417,000 |
| Risk-weighted assets | 57,248,000 | 58,148,000 | 58,990,000 | 60,580,000 |
Machine access — free, no API key
Every figure shown here about HIGHLANDS BANK, THE — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.