Call reports 2006
HIGHLAND BANK — 2006
What HIGHLAND BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 411,377,000 | 391,135,000 | 395,592,000 | 404,420,000 |
| Total loans | 275,395,000 | 277,524,000 | 285,244,000 | 290,001,000 |
| Allowance for loan losses | 3,547,000 | 3,429,000 | 3,470,000 | 3,492,000 |
| Securities available for sale | 113,707,000 | 93,481,000 | 94,539,000 | 95,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,232,000 | 302,870,000 | 302,663,000 | 298,408,000 |
| Interest-bearing deposits | 224,678,000 | 234,689,000 | 233,323,000 | 225,281,000 |
| Noninterest-bearing deposits | 88,554,000 | 68,181,000 | 69,340,000 | 73,126,000 |
| Equity capital | 34,595,000 | 34,159,000 | 36,407,000 | 36,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,568,000 | 13,075,000 | 19,769,000 | 26,691,000 |
| Interest expense | 2,513,000 | 5,073,000 | 7,699,000 | 10,624,000 |
| Net interest income | 4,055,000 | 8,002,000 | 12,070,000 | 16,067,000 |
| Noninterest income | 683,000 | 1,550,000 | 2,400,000 | 3,190,000 |
| Noninterest expense | 3,316,000 | 6,819,000 | 10,135,000 | 13,555,000 |
| Provision for loan losses | 110,000 | 0 | 0 | 200,000 |
| Pretax income | 1,334,000 | 2,453,000 | 4,055,000 | 5,233,000 |
| Income tax | 7,000 | 7,000 | 7,000 | 7,000 |
| Net income | 1,327,000 | 2,446,000 | 4,048,000 | 5,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,238,000 | 35,565,000 | 36,208,000 | 35,934,000 |
| Total capital | 38,785,000 | 38,994,000 | 39,678,000 | 39,426,000 |
| Risk-weighted assets | 310,976,000 | 307,441,000 | 312,032,000 | 312,815,000 |