Call reports 2008
HIGHLAND BANK — 2008
What HIGHLAND BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 507,223,000 | 502,970,000 | 627,024,000 | 619,220,000 |
| Total loans | 326,470,000 | 314,318,000 | 395,298,000 | 396,751,000 |
| Allowance for loan losses | 5,343,000 | 5,096,000 | 5,393,000 | 6,109,000 |
| Securities available for sale | 160,170,000 | 157,346,000 | 180,232,000 | 179,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,534,000 | 328,438,000 | 400,158,000 | 425,004,000 |
| Interest-bearing deposits | 261,381,000 | 255,937,000 | 310,641,000 | 341,654,000 |
| Noninterest-bearing deposits | 65,153,000 | 72,500,000 | 89,517,000 | 83,350,000 |
| Equity capital | 37,874,000 | 31,683,000 | 50,600,000 | 50,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,208,000 | 14,907,000 | 23,187,000 | 31,714,000 |
| Interest expense | 3,022,000 | 5,928,000 | 8,962,000 | 12,257,000 |
| Net interest income | 4,186,000 | 8,979,000 | 14,225,000 | 19,457,000 |
| Noninterest income | 883,000 | 1,510,000 | 1,572,000 | 2,948,000 |
| Noninterest expense | 3,490,000 | 7,361,000 | 11,123,000 | 16,711,000 |
| Provision for loan losses | 671,000 | 1,771,000 | 3,271,000 | 5,296,000 |
| Pretax income | 1,014,000 | 1,465,000 | 1,511,000 | 515,000 |
| Income tax | 10,000 | 10,000 | 10,000 | 10,000 |
| Net income | 1,004,000 | 1,455,000 | 1,501,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,099,000 | 36,773,000 | 45,477,000 | 44,904,000 |
| Total capital | 41,937,000 | 41,224,000 | 51,040,000 | 50,692,000 |
| Risk-weighted assets | 385,739,000 | 355,426,000 | 448,889,000 | 462,441,000 |