Call reports 2003
HIGHLAND LAKES BANK — 2003
What HIGHLAND LAKES BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 |
|---|---|
| Total assets | 78,316,000 |
| Total loans | 19,860,000 |
| Allowance for loan losses | 363,000 |
| Securities available for sale | 40,985,000 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 67,351,000 |
| Interest-bearing deposits | 60,244,000 |
| Noninterest-bearing deposits | 7,107,000 |
| Equity capital | 10,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 |
|---|---|
| Interest income | 695,000 |
| Interest expense | 369,000 |
| Net interest income | 326,000 |
| Noninterest income | 143,000 |
| Noninterest expense | 399,000 |
| Provision for loan losses | 0 |
| Pretax income | 70,000 |
| Income tax | 0 |
| Net income | 70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 |
|---|---|
| Tier 1 capital | 10,600,000 |
| Total capital | 10,895,000 |
| Risk-weighted assets | 23,530,000 |