Call reports 2012
HIGHLAND BANK — 2012
What HIGHLAND BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 474,541,000 | 463,703,000 | 463,111,000 | 465,197,000 |
| Total loans | 229,869,000 | 228,545,000 | 232,656,000 | 232,460,000 |
| Allowance for loan losses | 6,249,000 | 5,837,000 | 5,817,000 | 5,550,000 |
| Securities available for sale | 165,559,000 | 173,648,000 | 160,499,000 | 170,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,614,000 | 354,332,000 | 363,615,000 | 368,747,000 |
| Interest-bearing deposits | 260,617,000 | 254,931,000 | 256,504,000 | 255,439,000 |
| Noninterest-bearing deposits | 98,997,000 | 99,401,000 | 107,112,000 | 113,308,000 |
| Equity capital | 37,263,000 | 38,627,000 | 42,029,000 | 44,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,447,000 | 10,786,000 | 15,947,000 | 21,010,000 |
| Interest expense | 1,133,000 | 2,236,000 | 3,205,000 | 3,948,000 |
| Net interest income | 4,314,000 | 8,550,000 | 12,742,000 | 17,062,000 |
| Noninterest income | -62,000 | 112,000 | 427,000 | 563,000 |
| Noninterest expense | 3,697,000 | 7,411,000 | 10,982,000 | 14,364,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,513,000 | 2,169,000 | 2,546,000 | 3,754,000 |
| Income tax | 0 | 5,000 | 5,000 | 5,000 |
| Net income | 1,513,000 | 2,164,000 | 2,541,000 | 3,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,037,000 | 34,853,000 | 35,395,000 | 36,767,000 |
| Total capital | 37,512,000 | 38,341,000 | 38,756,000 | 40,146,000 |
| Risk-weighted assets | 276,994,000 | 275,969,000 | 265,765,000 | 267,513,000 |