Call reports 2016
HIGHLANDS BANK, THE — 2016
What HIGHLANDS BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 140,669,000 | 145,648,000 | 147,791,000 | 154,770,000 |
| Total loans | 103,842,000 | 108,835,000 | 106,319,000 | 106,713,000 |
| Allowance for loan losses | 993,000 | 1,034,000 | 1,094,000 | 963,000 |
| Securities available for sale | 23,884,000 | 24,377,000 | 26,944,000 | 29,865,000 |
| Securities held to maturity | 265,000 | 265,000 | 265,000 | 265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,860,000 | 120,898,000 | 122,805,000 | 129,588,000 |
| Interest-bearing deposits | 93,465,000 | 93,365,000 | 91,252,000 | 93,626,000 |
| Noninterest-bearing deposits | 28,395,000 | 27,533,000 | 31,553,000 | 35,962,000 |
| Equity capital | 18,491,000 | 18,378,000 | 18,564,000 | 18,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,474,000 | 2,980,000 | 4,559,000 | 5,976,000 |
| Interest expense | 138,000 | 283,000 | 440,000 | 597,000 |
| Net interest income | 1,336,000 | 2,697,000 | 4,119,000 | 5,379,000 |
| Noninterest income | 222,000 | 441,000 | 666,000 | 905,000 |
| Noninterest expense | 1,036,000 | 2,076,000 | 3,110,000 | 4,138,000 |
| Provision for loan losses | 1,000 | 42,000 | 104,000 | 176,000 |
| Pretax income | 521,000 | 1,020,000 | 1,571,000 | 1,970,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 521,000 | 1,020,000 | 1,571,000 | 1,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,445,000 | 18,313,000 | 18,542,000 | 18,941,000 |
| Total capital | 19,438,000 | 19,347,000 | 19,636,000 | 19,904,000 |
| Risk-weighted assets | 96,927,000 | 101,231,000 | 102,134,000 | 101,007,000 |