Call reports 2001
HIGHLAND LAKES BANK — 2001
What HIGHLAND LAKES BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 78,954,000 | 79,974,000 | 81,152,000 | 79,663,000 |
| Total loans | 28,685,000 | 28,824,000 | 28,474,000 | 23,961,000 |
| Allowance for loan losses | 325,000 | 325,000 | 333,000 | 310,000 |
| Securities available for sale | 40,665,000 | 38,707,000 | 38,761,000 | 996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,795,000 | 68,360,000 | 69,407,000 | 68,469,000 |
| Interest-bearing deposits | 59,690,000 | 61,138,000 | 62,019,000 | 61,082,000 |
| Noninterest-bearing deposits | 7,105,000 | 7,222,000 | 7,388,000 | 7,387,000 |
| Equity capital | 11,002,000 | 10,795,000 | 10,812,000 | 10,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,516,000 | 2,925,000 | 4,137,000 | 5,144,000 |
| Interest expense | 661,000 | 1,248,000 | 1,823,000 | 2,299,000 |
| Net interest income | 855,000 | 1,677,000 | 2,314,000 | 2,845,000 |
| Noninterest income | 92,000 | 250,000 | 446,000 | 482,000 |
| Noninterest expense | 500,000 | 1,044,000 | 1,538,000 | 2,192,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 447,000 | 883,000 | 1,294,000 | 1,207,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 447,000 | 883,000 | 1,294,000 | 1,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,923,000 | 10,769,000 | 10,818,000 | 10,370,000 |
| Total capital | 11,248,000 | 11,094,000 | 11,151,000 | 10,680,000 |
| Risk-weighted assets | 28,316,000 | 30,211,000 | 37,493,000 | 34,576,000 |