Call reports 2010
HIGHLAND BANK — 2010
What HIGHLAND BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 529,712,000 | 532,998,000 | 530,732,000 | 474,606,000 |
| Total loans | 319,165,000 | 305,170,000 | 289,401,000 | 276,257,000 |
| Allowance for loan losses | 9,484,000 | 10,037,000 | 8,173,000 | 7,990,000 |
| Securities available for sale | 152,472,000 | 154,788,000 | 149,358,000 | 150,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 402,009,000 | 402,575,000 | 400,255,000 | 354,808,000 |
| Interest-bearing deposits | 279,003,000 | 276,051,000 | 283,120,000 | 233,977,000 |
| Noninterest-bearing deposits | 123,006,000 | 126,524,000 | 117,135,000 | 120,831,000 |
| Equity capital | 30,235,000 | 32,086,000 | 33,441,000 | 31,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,375,000 | 13,964,000 | 20,396,000 | 26,780,000 |
| Interest expense | 2,197,000 | 4,284,000 | 6,321,000 | 8,231,000 |
| Net interest income | 5,178,000 | 9,680,000 | 14,075,000 | 18,549,000 |
| Noninterest income | 469,000 | 993,000 | 1,284,000 | 180,000 |
| Noninterest expense | 5,153,000 | 8,300,000 | 12,394,000 | 16,412,000 |
| Provision for loan losses | -119,000 | 1,329,000 | 1,704,000 | 1,919,000 |
| Pretax income | 499,000 | 894,000 | 1,044,000 | 68,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 494,000 | 889,000 | 1,039,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,276,000 | 30,886,000 | 31,199,000 | 30,387,000 |
| Total capital | 35,079,000 | 35,362,000 | 35,455,000 | 34,432,000 |
| Risk-weighted assets | 378,657,000 | 352,291,000 | 336,379,000 | 319,529,000 |