Call reports 2015
HIGHLANDS BANK, THE — 2015
What HIGHLANDS BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 143,264,000 | 138,189,000 | 138,236,000 | 137,298,000 |
| Total loans | 100,026,000 | 101,540,000 | 97,409,000 | 97,963,000 |
| Allowance for loan losses | 1,059,000 | 1,078,000 | 942,000 | 1,011,000 |
| Securities available for sale | 25,575,000 | 24,946,000 | 23,894,000 | 22,331,000 |
| Securities held to maturity | 265,000 | 265,000 | 265,000 | 265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,312,000 | 120,109,000 | 120,001,000 | 118,983,000 |
| Interest-bearing deposits | 95,594,000 | 92,624,000 | 91,801,000 | 91,296,000 |
| Noninterest-bearing deposits | 29,718,000 | 27,485,000 | 28,200,000 | 27,687,000 |
| Equity capital | 17,697,000 | 17,741,000 | 17,859,000 | 17,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,468,000 | 2,928,000 | 4,390,000 | 5,795,000 |
| Interest expense | 145,000 | 286,000 | 422,000 | 560,000 |
| Net interest income | 1,323,000 | 2,642,000 | 3,968,000 | 5,235,000 |
| Noninterest income | 225,000 | 459,000 | 693,000 | 824,000 |
| Noninterest expense | 960,000 | 1,968,000 | 2,920,000 | 3,935,000 |
| Provision for loan losses | 31,000 | 48,000 | 505,000 | 711,000 |
| Pretax income | 557,000 | 1,085,000 | 1,236,000 | 1,413,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 557,000 | 1,085,000 | 1,236,000 | 1,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,662,000 | 17,732,000 | 17,830,000 | 18,008,000 |
| Total capital | 18,721,000 | 18,810,000 | 18,772,000 | 19,019,000 |
| Risk-weighted assets | 88,581,000 | 89,883,000 | 89,957,000 | 89,625,000 |