Call reports 2013
HIGHLAND BANK — 2013
What HIGHLAND BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 450,616,000 | 428,966,000 | 452,602,000 | 450,435,000 |
| Total loans | 230,308,000 | 219,543,000 | 223,371,000 | 228,971,000 |
| Allowance for loan losses | 5,113,000 | 4,519,000 | 4,469,000 | 4,524,000 |
| Securities available for sale | 184,732,000 | 185,539,000 | 198,435,000 | 195,263,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,499,000 | 348,345,000 | 359,738,000 | 361,919,000 |
| Interest-bearing deposits | 251,884,000 | 242,047,000 | 245,587,000 | 247,415,000 |
| Noninterest-bearing deposits | 107,615,000 | 106,298,000 | 114,151,000 | 114,504,000 |
| Equity capital | 44,099,000 | 38,841,000 | 39,277,000 | 40,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,474,000 | 8,611,000 | 12,795,000 | 17,066,000 |
| Interest expense | 637,000 | 1,139,000 | 1,585,000 | 2,000,000 |
| Net interest income | 3,837,000 | 7,472,000 | 11,210,000 | 15,066,000 |
| Noninterest income | 65,000 | -143,000 | 330,000 | 1,161,000 |
| Noninterest expense | 3,472,000 | 7,577,000 | 10,849,000 | 14,406,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 295,000 | -223,000 | 566,000 | 1,758,000 |
| Income tax | 0 | 5,000 | 5,000 | 5,000 |
| Net income | 295,000 | -228,000 | 561,000 | 1,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,226,000 | 36,867,000 | 37,820,000 | 39,175,000 |
| Total capital | 40,658,000 | 40,180,000 | 41,359,000 | 42,716,000 |
| Risk-weighted assets | 272,250,000 | 263,963,000 | 282,172,000 | 282,278,000 |