Call reports 2010
HIGHLANDS BANK, THE — 2010
What HIGHLANDS BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 137,355,000 | 134,966,000 | 134,559,000 | 134,006,000 |
| Total loans | 96,969,000 | 99,981,000 | 96,492,000 | 98,623,000 |
| Allowance for loan losses | 1,063,000 | 892,000 | 956,000 | 1,157,000 |
| Securities available for sale | 16,389,000 | 15,199,000 | 11,976,000 | 15,072,000 |
| Securities held to maturity | 264,000 | 264,000 | 264,000 | 265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,670,000 | 120,085,000 | 119,326,000 | 118,830,000 |
| Interest-bearing deposits | 103,744,000 | 100,194,000 | 98,824,000 | 98,485,000 |
| Noninterest-bearing deposits | 18,926,000 | 19,891,000 | 20,502,000 | 20,345,000 |
| Equity capital | 14,056,000 | 14,222,000 | 14,484,000 | 14,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,708,000 | 3,528,000 | 5,301,000 | 7,064,000 |
| Interest expense | 472,000 | 922,000 | 1,344,000 | 1,740,000 |
| Net interest income | 1,236,000 | 2,606,000 | 3,957,000 | 5,324,000 |
| Noninterest income | 229,000 | 481,000 | 739,000 | 1,002,000 |
| Noninterest expense | 916,000 | 1,815,000 | 2,764,000 | 3,804,000 |
| Provision for loan losses | 24,000 | 150,000 | 281,000 | 591,000 |
| Pretax income | 525,000 | 1,122,000 | 1,651,000 | 1,931,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 525,000 | 1,122,000 | 1,651,000 | 1,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,977,000 | 14,046,000 | 14,332,000 | 14,612,000 |
| Total capital | 15,040,000 | 14,938,000 | 15,288,000 | 15,769,000 |
| Risk-weighted assets | 100,815,000 | 102,706,000 | 98,466,000 | 100,526,000 |
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