Call reports 2014
HIGHLAND BANK — 2014
What HIGHLAND BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 453,731,000 | 466,628,000 | 470,421,000 | 465,998,000 |
| Total loans | 236,560,000 | 230,270,000 | 244,627,000 | 244,645,000 |
| Allowance for loan losses | 4,620,000 | 4,693,000 | 3,950,000 | 4,111,000 |
| Securities available for sale | 191,474,000 | 205,082,000 | 207,055,000 | 203,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,101,000 | 364,346,000 | 371,784,000 | 360,519,000 |
| Interest-bearing deposits | 253,761,000 | 247,623,000 | 249,955,000 | 241,131,000 |
| Noninterest-bearing deposits | 113,339,000 | 116,723,000 | 121,829,000 | 119,387,000 |
| Equity capital | 42,683,000 | 44,989,000 | 44,823,000 | 47,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,417,000 | 8,941,000 | 13,438,000 | 17,975,000 |
| Interest expense | 391,000 | 757,000 | 1,169,000 | 1,609,000 |
| Net interest income | 4,026,000 | 8,184,000 | 12,269,000 | 16,366,000 |
| Noninterest income | -190,000 | 64,000 | -557,000 | 126,000 |
| Noninterest expense | 3,054,000 | 6,696,000 | 9,919,000 | 13,313,000 |
| Provision for loan losses | 0 | 0 | -770,000 | -770,000 |
| Pretax income | 650,000 | 1,270,000 | 2,350,000 | 3,517,000 |
| Income tax | 7,000 | 13,000 | 11,000 | 14,000 |
| Net income | 643,000 | 1,257,000 | 2,339,000 | 3,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,183,000 | 39,961,000 | 40,107,000 | 41,435,000 |
| Total capital | 42,682,000 | 43,302,000 | 43,633,000 | 45,006,000 |
| Risk-weighted assets | 278,808,000 | 265,902,000 | 281,637,000 | 285,104,000 |