Call reports 2009
HIGHLAND BANK — 2009
What HIGHLAND BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 585,288,000 | 568,855,000 | 550,902,000 | 558,991,000 |
| Total loans | 381,357,000 | 376,316,000 | 359,120,000 | 342,514,000 |
| Allowance for loan losses | 4,992,000 | 5,777,000 | 6,120,000 | 10,018,000 |
| Securities available for sale | 156,720,000 | 138,501,000 | 147,595,000 | 156,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,992,000 | 409,587,000 | 399,624,000 | 428,627,000 |
| Interest-bearing deposits | 328,356,000 | 322,306,000 | 309,168,000 | 324,208,000 |
| Noninterest-bearing deposits | 93,636,000 | 87,281,000 | 90,456,000 | 104,418,000 |
| Equity capital | 46,862,000 | 47,912,000 | 46,743,000 | 28,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,053,000 | 16,059,000 | 24,286,000 | 31,929,000 |
| Interest expense | 2,972,000 | 5,737,000 | 8,290,000 | 10,561,000 |
| Net interest income | 5,081,000 | 10,322,000 | 15,996,000 | 21,368,000 |
| Noninterest income | 570,000 | 821,000 | 733,000 | -142,000 |
| Noninterest expense | 4,261,000 | 8,933,000 | 13,922,000 | 25,837,000 |
| Provision for loan losses | 1,650,000 | 3,306,000 | 7,235,000 | 17,374,000 |
| Pretax income | 282,000 | 21,000 | -4,119,000 | -22,544,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 277,000 | 16,000 | -4,124,000 | -22,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,048,000 | 44,727,000 | 40,751,000 | 29,618,000 |
| Total capital | 50,217,000 | 50,471,000 | 46,222,000 | 34,642,000 |
| Risk-weighted assets | 461,670,000 | 459,318,000 | 436,840,000 | 396,406,000 |