Call reports 2005
HIGHLAND BANK — 2005
What HIGHLAND BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 394,222,000 | 426,425,000 | 435,331,000 | 426,214,000 |
| Total loans | 247,428,000 | 280,452,000 | 291,469,000 | 279,494,000 |
| Allowance for loan losses | 2,903,000 | 3,377,000 | 3,576,000 | 3,385,000 |
| Securities available for sale | 127,944,000 | 126,479,000 | 124,666,000 | 121,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,381,000 | 311,418,000 | 301,984,000 | 307,935,000 |
| Interest-bearing deposits | 202,814,000 | 232,389,000 | 222,897,000 | 215,882,000 |
| Noninterest-bearing deposits | 77,567,000 | 79,029,000 | 79,087,000 | 92,053,000 |
| Equity capital | 34,024,000 | 36,201,000 | 35,834,000 | 34,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,395,000 | 11,497,000 | 17,731,000 | 24,562,000 |
| Interest expense | 1,332,000 | 3,172,000 | 5,228,000 | 7,546,000 |
| Net interest income | 4,063,000 | 8,325,000 | 12,503,000 | 17,016,000 |
| Noninterest income | 636,000 | 1,408,000 | 2,113,000 | 2,858,000 |
| Noninterest expense | 2,799,000 | 5,769,000 | 8,832,000 | 12,446,000 |
| Provision for loan losses | 267,000 | 634,000 | 745,000 | 682,000 |
| Pretax income | 1,633,000 | 3,322,000 | 5,038,000 | 6,695,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,628,000 | 3,317,000 | 5,033,000 | 6,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,880,000 | 33,801,000 | 34,231,000 | 34,610,000 |
| Total capital | 35,783,000 | 37,179,000 | 37,807,000 | 37,995,000 |
| Risk-weighted assets | 284,850,000 | 309,500,000 | 321,910,000 | 311,971,000 |