Call reports 2012
HIGHLANDS BANK, THE — 2012
What HIGHLANDS BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 144,195,000 | 139,862,000 | 137,339,000 | 131,183,000 |
| Total loans | 93,785,000 | 96,943,000 | 95,233,000 | 95,782,000 |
| Allowance for loan losses | 1,683,000 | 1,695,000 | 1,571,000 | 1,155,000 |
| Securities available for sale | 24,567,000 | 24,979,000 | 23,069,000 | 23,675,000 |
| Securities held to maturity | 265,000 | 265,000 | 265,000 | 265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,627,000 | 123,633,000 | 120,993,000 | 114,685,000 |
| Interest-bearing deposits | 103,902,000 | 98,641,000 | 96,574,000 | 91,877,000 |
| Noninterest-bearing deposits | 23,725,000 | 24,992,000 | 24,419,000 | 22,808,000 |
| Equity capital | 15,905,000 | 15,590,000 | 15,667,000 | 15,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,593,000 | 3,175,000 | 4,691,000 | 6,197,000 |
| Interest expense | 307,000 | 566,000 | 804,000 | 1,015,000 |
| Net interest income | 1,286,000 | 2,609,000 | 3,887,000 | 5,182,000 |
| Noninterest income | 247,000 | 508,000 | 730,000 | 950,000 |
| Noninterest expense | 997,000 | 1,980,000 | 2,947,000 | 3,896,000 |
| Provision for loan losses | 27,000 | 165,000 | 391,000 | 644,000 |
| Pretax income | 509,000 | 1,012,000 | 1,319,000 | 1,632,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 509,000 | 1,012,000 | 1,319,000 | 1,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,748,000 | 15,466,000 | 15,480,000 | 15,793,000 |
| Total capital | 16,825,000 | 16,571,000 | 16,575,000 | 16,898,000 |
| Risk-weighted assets | 85,570,000 | 87,814,000 | 87,121,000 | 88,357,000 |