Call reports 2008
HIGHLANDS BANK, THE — 2008
What HIGHLANDS BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 109,257,000 | 113,539,000 | 113,049,000 | 118,807,000 |
| Total loans | 80,697,000 | 85,540,000 | 87,976,000 | 89,692,000 |
| Allowance for loan losses | 565,000 | 562,000 | 556,000 | 1,052,000 |
| Securities available for sale | 8,850,000 | 9,561,000 | 9,008,000 | 13,075,000 |
| Securities held to maturity | 264,000 | 264,000 | 264,000 | 264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,819,000 | 101,445,000 | 100,451,000 | 106,290,000 |
| Interest-bearing deposits | 79,555,000 | 82,652,000 | 83,445,000 | 87,258,000 |
| Noninterest-bearing deposits | 17,264,000 | 18,793,000 | 17,006,000 | 19,032,000 |
| Equity capital | 11,389,000 | 11,301,000 | 11,701,000 | 11,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,006,000 | 3,832,000 | 5,753,000 | 7,606,000 |
| Interest expense | 749,000 | 1,362,000 | 1,991,000 | 2,621,000 |
| Net interest income | 1,257,000 | 2,470,000 | 3,762,000 | 4,985,000 |
| Noninterest income | 171,000 | 362,000 | 557,000 | 741,000 |
| Noninterest expense | 879,000 | 1,744,000 | 2,629,000 | 3,619,000 |
| Provision for loan losses | 0 | 0 | 0 | 500,000 |
| Pretax income | 549,000 | 1,088,000 | 1,690,000 | 1,607,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 549,000 | 1,088,000 | 1,690,000 | 1,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,267,000 | 11,349,000 | 11,699,000 | 11,617,000 |
| Total capital | 11,832,000 | 11,911,000 | 12,255,000 | 12,669,000 |
| Risk-weighted assets | 85,929,000 | 89,795,000 | 91,581,000 | 93,525,000 |
Machine access — free, no API key
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