Call reports 2007
HIGHLANDS BANK, THE — 2007
What HIGHLANDS BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 103,609,000 | 103,171,000 | 100,317,000 | 103,139,000 |
| Total loans | 69,799,000 | 74,608,000 | 76,278,000 | 79,247,000 |
| Allowance for loan losses | 688,000 | 669,000 | 666,000 | 565,000 |
| Securities available for sale | 10,705,000 | 11,043,000 | 11,546,000 | 10,070,000 |
| Securities held to maturity | 0 | 0 | 0 | 264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,012,000 | 92,261,000 | 88,960,000 | 91,091,000 |
| Interest-bearing deposits | 72,656,000 | 73,361,000 | 72,881,000 | 74,659,000 |
| Noninterest-bearing deposits | 20,356,000 | 18,900,000 | 16,079,000 | 16,432,000 |
| Equity capital | 10,122,000 | 10,220,000 | 10,639,000 | 11,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,735,000 | 3,572,000 | 5,464,000 | 7,344,000 |
| Interest expense | 679,000 | 1,418,000 | 2,165,000 | 2,888,000 |
| Net interest income | 1,056,000 | 2,154,000 | 3,299,000 | 4,456,000 |
| Noninterest income | 141,000 | 331,000 | 506,000 | 660,000 |
| Noninterest expense | 698,000 | 1,436,000 | 2,197,000 | 3,165,000 |
| Provision for loan losses | 23,000 | 23,000 | 23,000 | -78,000 |
| Pretax income | 476,000 | 1,026,000 | 1,585,000 | 2,029,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 476,000 | 1,026,000 | 1,585,000 | 2,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,187,000 | 10,332,000 | 10,642,000 | 11,087,000 |
| Total capital | 10,875,000 | 11,001,000 | 11,308,000 | 11,652,000 |
| Risk-weighted assets | 74,112,000 | 78,392,000 | 79,225,000 | 82,957,000 |
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