Call reports 2009
HIGHLANDS BANK, THE — 2009
What HIGHLANDS BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 123,610,000 | 123,700,000 | 125,255,000 | 133,692,000 |
| Total loans | 89,941,000 | 91,193,000 | 92,249,000 | 93,194,000 |
| Allowance for loan losses | 1,043,000 | 1,041,000 | 1,039,000 | 1,041,000 |
| Securities available for sale | 12,379,000 | 12,101,000 | 12,609,000 | 13,950,000 |
| Securities held to maturity | 264,000 | 264,000 | 264,000 | 264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,024,000 | 110,903,000 | 112,077,000 | 119,317,000 |
| Interest-bearing deposits | 90,452,000 | 90,330,000 | 92,473,000 | 98,946,000 |
| Noninterest-bearing deposits | 20,572,000 | 20,573,000 | 19,604,000 | 20,371,000 |
| Equity capital | 11,885,000 | 11,941,000 | 12,323,000 | 13,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,779,000 | 3,565,000 | 5,345,000 | 7,094,000 |
| Interest expense | 591,000 | 1,131,000 | 1,656,000 | 2,169,000 |
| Net interest income | 1,188,000 | 2,434,000 | 3,689,000 | 4,925,000 |
| Noninterest income | 185,000 | 366,000 | 580,000 | 815,000 |
| Noninterest expense | 931,000 | 1,940,000 | 2,903,000 | 3,834,000 |
| Provision for loan losses | 0 | 0 | 0 | 292,000 |
| Pretax income | 442,000 | 860,000 | 1,366,000 | 1,614,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 442,000 | 860,000 | 1,366,000 | 1,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,772,000 | 11,820,000 | 12,155,000 | 13,654,000 |
| Total capital | 12,815,000 | 12,861,000 | 13,194,000 | 14,695,000 |
| Risk-weighted assets | 95,284,000 | 96,150,000 | 95,098,000 | 95,198,000 |
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