Call reports 2003
HIGHLAND BANK — 2003
What HIGHLAND BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 331,376,000 | 340,723,000 | 351,393,000 | 360,640,000 |
| Total loans | 183,642,000 | 194,108,000 | 201,349,000 | 213,790,000 |
| Allowance for loan losses | 3,170,000 | 3,389,000 | 3,274,000 | 2,897,000 |
| Securities available for sale | 119,978,000 | 116,933,000 | 123,509,000 | 119,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,759,000 | 219,180,000 | 248,568,000 | 255,393,000 |
| Interest-bearing deposits | 152,967,000 | 150,526,000 | 174,818,000 | 175,757,000 |
| Noninterest-bearing deposits | 75,792,000 | 68,654,000 | 73,750,000 | 79,637,000 |
| Equity capital | 29,274,000 | 30,852,000 | 29,582,000 | 31,252,000 |
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 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,000,000 | 8,245,000 | 12,433,000 | 16,798,000 |
| Interest expense | 826,000 | 1,726,000 | 2,674,000 | 3,697,000 |
| Net interest income | 3,174,000 | 6,519,000 | 9,759,000 | 13,101,000 |
| Noninterest income | 955,000 | 1,962,000 | 2,907,000 | 3,919,000 |
| Noninterest expense | 2,621,000 | 5,322,000 | 8,021,000 | 10,639,000 |
| Provision for loan losses | 251,000 | 401,000 | 509,000 | 779,000 |
| Pretax income | 1,257,000 | 2,758,000 | 4,136,000 | 5,602,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,252,000 | 2,753,000 | 4,131,000 | 5,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,667,000 | 27,596,000 | 28,293,000 | 29,133,000 |
| Total capital | 29,508,000 | 30,677,000 | 31,426,000 | 32,030,000 |
| Risk-weighted assets | 226,972,000 | 246,205,000 | 250,489,000 | 265,460,000 |