Call reports 2004
HIGHLAND BANK — 2004
What HIGHLAND BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 362,205,000 | 402,781,000 | 409,639,000 | 387,412,000 |
| Total loans | 218,025,000 | 240,823,000 | 252,518,000 | 242,447,000 |
| Allowance for loan losses | 3,063,000 | 3,102,000 | 3,128,000 | 2,572,000 |
| Securities available for sale | 121,147,000 | 134,538,000 | 130,827,000 | 124,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,229,000 | 279,685,000 | 279,199,000 | 291,507,000 |
| Interest-bearing deposits | 181,563,000 | 204,890,000 | 198,883,000 | 211,439,000 |
| Noninterest-bearing deposits | 81,666,000 | 74,795,000 | 80,316,000 | 80,068,000 |
| Equity capital | 32,967,000 | 31,060,000 | 34,179,000 | 35,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,489,000 | 9,253,000 | 14,447,000 | 20,021,000 |
| Interest expense | 1,020,000 | 2,081,000 | 3,238,000 | 4,529,000 |
| Net interest income | 3,469,000 | 7,172,000 | 11,209,000 | 15,492,000 |
| Noninterest income | 724,000 | 1,511,000 | 2,264,000 | 2,976,000 |
| Noninterest expense | 2,832,000 | 5,673,000 | 8,495,000 | 11,691,000 |
| Provision for loan losses | 305,000 | 655,000 | 655,000 | 255,000 |
| Pretax income | 1,401,000 | 2,700,000 | 4,668,000 | 6,867,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,396,000 | 2,695,000 | 4,663,000 | 6,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,493,000 | 30,205,000 | 31,284,000 | 32,587,000 |
| Total capital | 32,556,000 | 33,307,000 | 34,412,000 | 35,159,000 |
| Risk-weighted assets | 270,308,000 | 285,820,000 | 289,233,000 | 269,331,000 |