Call reports 2011
HIGHLAND BANK — 2011
What HIGHLAND BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 466,877,000 | 461,376,000 | 461,524,000 | 466,484,000 |
| Total loans | 273,092,000 | 265,794,000 | 252,649,000 | 241,129,000 |
| Allowance for loan losses | 7,870,000 | 8,145,000 | 8,037,000 | 6,846,000 |
| Securities available for sale | 141,725,000 | 147,648,000 | 149,838,000 | 164,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,925,000 | 343,927,000 | 346,032,000 | 345,927,000 |
| Interest-bearing deposits | 260,001,000 | 253,696,000 | 255,985,000 | 258,619,000 |
| Noninterest-bearing deposits | 86,923,000 | 90,231,000 | 90,046,000 | 87,308,000 |
| Equity capital | 32,964,000 | 34,416,000 | 36,835,000 | 34,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,140,000 | 12,078,000 | 17,901,000 | 23,701,000 |
| Interest expense | 1,553,000 | 3,048,000 | 4,514,000 | 5,799,000 |
| Net interest income | 4,587,000 | 9,030,000 | 13,387,000 | 17,902,000 |
| Noninterest income | 490,000 | 1,222,000 | 754,000 | 488,000 |
| Noninterest expense | 3,744,000 | 8,109,000 | 11,005,000 | 16,008,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,249,000 | 1,679,000 | 2,462,000 | 1,323,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,244,000 | 1,674,000 | 2,457,000 | 1,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,786,000 | 32,352,000 | 33,334,000 | 32,361,000 |
| Total capital | 35,755,000 | 36,225,000 | 37,106,000 | 35,914,000 |
| Risk-weighted assets | 313,621,000 | 305,580,000 | 297,379,000 | 281,207,000 |