Call reports 2002
HIGHLAND BANK — 2002
What HIGHLAND 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 | 300,299,000 | 286,057,000 | 298,653,000 | 321,281,000 |
| Total loans | 183,288,000 | 187,385,000 | 185,164,000 | 172,182,000 |
| Allowance for loan losses | 3,243,000 | 3,144,000 | 3,200,000 | 2,898,000 |
| Securities available for sale | 95,189,000 | 77,436,000 | 73,278,000 | 75,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,858,000 | 214,886,000 | 236,097,000 | 221,599,000 |
| Interest-bearing deposits | 154,184,000 | 146,058,000 | 150,458,000 | 147,114,000 |
| Noninterest-bearing deposits | 67,674,000 | 68,828,000 | 85,639,000 | 74,485,000 |
| Equity capital | 25,712,000 | 27,687,000 | 29,065,000 | 29,016,000 |
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 | 4,499,000 | 8,998,000 | 13,345,000 | 17,423,000 |
| Interest expense | 1,114,000 | 2,250,000 | 3,227,000 | 4,116,000 |
| Net interest income | 3,385,000 | 6,748,000 | 10,118,000 | 13,307,000 |
| Noninterest income | 826,000 | 1,820,000 | 2,817,000 | 3,793,000 |
| Noninterest expense | 2,699,000 | 5,366,000 | 8,054,000 | 10,807,000 |
| Provision for loan losses | 25,000 | 68,000 | 151,000 | 244,000 |
| Pretax income | 1,487,000 | 3,291,000 | 4,887,000 | 6,206,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,482,000 | 3,286,000 | 4,882,000 | 6,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,147,000 | 25,276,000 | 26,054,000 | 26,329,000 |
| Total capital | 26,938,000 | 28,067,000 | 28,801,000 | 29,035,000 |
| Risk-weighted assets | 222,839,000 | 222,931,000 | 219,305,000 | 216,256,000 |