Call reports 2013
HIGHLANDS BANK, THE — 2013
What HIGHLANDS BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 134,531,000 | 132,558,000 | 134,883,000 | 136,103,000 |
| Total loans | 94,701,000 | 94,628,000 | 96,228,000 | 100,885,000 |
| Allowance for loan losses | 1,206,000 | 1,237,000 | 1,101,000 | 1,142,000 |
| Securities available for sale | 24,356,000 | 25,653,000 | 25,331,000 | 26,042,000 |
| Securities held to maturity | 265,000 | 265,000 | 265,000 | 265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,016,000 | 116,482,000 | 118,702,000 | 119,799,000 |
| Interest-bearing deposits | 93,416,000 | 91,330,000 | 91,209,000 | 92,570,000 |
| Noninterest-bearing deposits | 24,600,000 | 25,152,000 | 27,493,000 | 27,229,000 |
| Equity capital | 16,142,000 | 15,546,000 | 15,718,000 | 15,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,441,000 | 2,865,000 | 4,356,000 | 5,817,000 |
| Interest expense | 190,000 | 369,000 | 542,000 | 714,000 |
| Net interest income | 1,251,000 | 2,496,000 | 3,814,000 | 5,103,000 |
| Noninterest income | 193,000 | 430,000 | 662,000 | 910,000 |
| Noninterest expense | 955,000 | 1,902,000 | 2,871,000 | 3,842,000 |
| Provision for loan losses | 86,000 | 118,000 | 150,000 | 452,000 |
| Pretax income | 403,000 | 906,000 | 1,455,000 | 1,719,000 |
| Income tax | -1,000 | -1,000 | -1,000 | -1,000 |
| Net income | 404,000 | 907,000 | 1,456,000 | 1,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,968,000 | 15,735,000 | 15,882,000 | 16,147,000 |
| Total capital | 17,060,000 | 16,830,000 | 16,983,000 | 17,289,000 |
| Risk-weighted assets | 87,284,000 | 87,465,000 | 88,331,000 | 93,061,000 |