Call reports 2007
HIGHLAND BANK — 2007
What HIGHLAND BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 396,050,000 | 399,057,000 | 435,982,000 | 461,001,000 |
| Total loans | 287,934,000 | 295,006,000 | 310,097,000 | 316,386,000 |
| Allowance for loan losses | 3,804,000 | 4,059,000 | 4,523,000 | 4,726,000 |
| Securities available for sale | 91,913,000 | 89,528,000 | 109,393,000 | 122,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,985,000 | 308,713,000 | 323,926,000 | 338,528,000 |
| Interest-bearing deposits | 247,013,000 | 245,958,000 | 258,300,000 | 266,235,000 |
| Noninterest-bearing deposits | 64,973,000 | 62,755,000 | 65,626,000 | 72,293,000 |
| Equity capital | 36,909,000 | 35,006,000 | 36,232,000 | 37,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,927,000 | 13,049,000 | 19,991,000 | 28,815,000 |
| Interest expense | 2,882,000 | 5,861,000 | 9,188,000 | 12,607,000 |
| Net interest income | 4,045,000 | 7,188,000 | 10,803,000 | 16,208,000 |
| Noninterest income | 634,000 | 2,130,000 | 3,212,000 | 2,867,000 |
| Noninterest expense | 3,541,000 | 7,291,000 | 10,625,000 | 14,212,000 |
| Provision for loan losses | 300,000 | 650,000 | 1,150,000 | 1,675,000 |
| Pretax income | 838,000 | 1,377,000 | 2,240,000 | 3,188,000 |
| Income tax | 6,000 | 4,000 | 4,000 | 4,000 |
| Net income | 832,000 | 1,373,000 | 2,236,000 | 3,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,271,000 | 36,065,000 | 36,305,000 | 36,889,000 |
| Total capital | 40,075,000 | 40,098,000 | 40,602,000 | 41,379,000 |
| Risk-weighted assets | 310,215,000 | 322,624,000 | 342,887,000 | 366,816,000 |