Call reports 2011
HIGHLANDS BANK, THE — 2011
What HIGHLANDS BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 139,439,000 | 137,827,000 | 141,279,000 | 144,046,000 |
| Total loans | 97,365,000 | 98,431,000 | 99,224,000 | 96,887,000 |
| Allowance for loan losses | 1,223,000 | 1,190,000 | 1,283,000 | 1,658,000 |
| Securities available for sale | 12,989,000 | 14,153,000 | 16,470,000 | 12,477,000 |
| Securities held to maturity | 265,000 | 265,000 | 265,000 | 265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,791,000 | 121,990,000 | 124,854,000 | 127,853,000 |
| Interest-bearing deposits | 102,051,000 | 100,398,000 | 102,344,000 | 105,241,000 |
| Noninterest-bearing deposits | 21,740,000 | 21,592,000 | 22,510,000 | 22,612,000 |
| Equity capital | 14,929,000 | 15,190,000 | 15,600,000 | 15,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,706,000 | 3,397,000 | 5,116,000 | 6,816,000 |
| Interest expense | 363,000 | 727,000 | 1,077,000 | 1,411,000 |
| Net interest income | 1,343,000 | 2,670,000 | 4,039,000 | 5,405,000 |
| Noninterest income | 275,000 | 550,000 | 824,000 | 1,104,000 |
| Noninterest expense | 961,000 | 1,898,000 | 2,842,000 | 3,832,000 |
| Provision for loan losses | 100,000 | 250,000 | 364,000 | 1,035,000 |
| Pretax income | 557,000 | 1,072,000 | 1,657,000 | 1,642,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 557,000 | 1,072,000 | 1,657,000 | 1,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,973,000 | 15,055,000 | 15,378,000 | 15,364,000 |
| Total capital | 16,196,000 | 16,245,000 | 16,639,000 | 16,464,000 |
| Risk-weighted assets | 98,679,000 | 99,984,000 | 100,844,000 | 87,439,000 |
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