Call reports 2001
HIGHLAND BANK — 2001
What HIGHLAND 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 | 272,613,000 | 264,725,000 | 278,338,000 | 291,734,000 |
| Total loans | 191,367,000 | 184,802,000 | 180,413,000 | 175,892,000 |
| Allowance for loan losses | 2,870,000 | 3,002,000 | 3,151,000 | 3,200,000 |
| Securities available for sale | 61,263,000 | 60,010,000 | 75,082,000 | 87,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,111,000 | 215,572,000 | 235,723,000 | 227,242,000 |
| Interest-bearing deposits | 174,422,000 | 170,511,000 | 164,197,000 | 150,321,000 |
| Noninterest-bearing deposits | 47,689,000 | 45,061,000 | 71,526,000 | 76,921,000 |
| Equity capital | 21,455,000 | 22,019,000 | 24,926,000 | 24,889,000 |
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 | 5,494,000 | 10,682,000 | 15,690,000 | 20,467,000 |
| Interest expense | 2,426,000 | 4,484,000 | 6,307,000 | 7,758,000 |
| Net interest income | 3,068,000 | 6,198,000 | 9,383,000 | 12,709,000 |
| Noninterest income | 539,000 | 1,271,000 | 2,066,000 | 2,930,000 |
| Noninterest expense | 2,587,000 | 5,220,000 | 8,180,000 | 11,031,000 |
| Provision for loan losses | 72,000 | 265,000 | 428,000 | 696,000 |
| Pretax income | 1,665,000 | 2,701,000 | 3,558,000 | 4,641,000 |
| Income tax | 164,000 | 265,000 | 209,000 | 209,000 |
| Net income | 1,501,000 | 2,436,000 | 3,349,000 | 4,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,240,000 | 20,445,000 | 22,903,000 | 23,555,000 |
| Total capital | 22,871,000 | 23,082,000 | 25,524,000 | 26,182,000 |
| Risk-weighted assets | 210,226,000 | 210,353,000 | 209,138,000 | 209,582,000 |