Call reports 2002
HIGHLAND LAKES BANK — 2002
What HIGHLAND LAKES BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 79,845,000 | 76,226,000 | 75,982,000 | 77,088,000 |
| Total loans | 25,267,000 | 24,875,000 | 23,292,000 | 21,785,000 |
| Allowance for loan losses | 405,000 | 453,000 | 451,000 | 375,000 |
| Securities available for sale | 990,000 | 996,000 | 993,000 | 998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,744,000 | 65,532,000 | 64,934,000 | 66,052,000 |
| Interest-bearing deposits | 60,600,000 | 57,755,000 | 57,628,000 | 58,183,000 |
| Noninterest-bearing deposits | 8,144,000 | 7,777,000 | 7,306,000 | 7,869,000 |
| Equity capital | 10,280,000 | 9,954,000 | 10,221,000 | 10,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 818,000 | 1,596,000 | 2,591,000 | 3,587,000 |
| Interest expense | 434,000 | 851,000 | 1,260,000 | 1,651,000 |
| Net interest income | 384,000 | 745,000 | 1,331,000 | 1,936,000 |
| Noninterest income | 171,000 | 412,000 | 550,000 | 802,000 |
| Noninterest expense | 503,000 | 969,000 | 1,410,000 | 1,882,000 |
| Provision for loan losses | 115,000 | 565,000 | 565,000 | 625,000 |
| Pretax income | -63,000 | -377,000 | -94,000 | 231,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -63,000 | -377,000 | -94,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,280,000 | 9,953,000 | 10,221,000 | 10,529,000 |
| Total capital | 10,685,000 | 10,387,000 | 10,644,000 | 10,904,000 |
| Risk-weighted assets | 36,086,000 | 34,690,000 | 33,824,000 | 32,723,000 |