Call reports 2015
HIGHLAND BANK — 2015
What HIGHLAND BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 495,423,000 | 487,079,000 | 487,128,000 | 485,683,000 |
| Total loans | 245,327,000 | 252,296,000 | 264,821,000 | 261,493,000 |
| Allowance for loan losses | 4,044,000 | 4,087,000 | 4,144,000 | 4,130,000 |
| Securities available for sale | 227,886,000 | 211,772,000 | 202,749,000 | 196,275,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,439,000 | 366,651,000 | 372,099,000 | 375,563,000 |
| Interest-bearing deposits | 247,994,000 | 238,886,000 | 244,107,000 | 242,475,000 |
| Noninterest-bearing deposits | 121,445,000 | 127,765,000 | 127,992,000 | 133,088,000 |
| Equity capital | 49,907,000 | 49,251,000 | 50,965,000 | 50,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,372,000 | 8,815,000 | 13,405,000 | 18,020,000 |
| Interest expense | 425,000 | 839,000 | 1,250,000 | 1,650,000 |
| Net interest income | 3,947,000 | 7,976,000 | 12,155,000 | 16,370,000 |
| Noninterest income | 490,000 | 984,000 | 1,527,000 | 2,015,000 |
| Noninterest expense | 3,289,000 | 6,883,000 | 10,321,000 | 14,029,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,501,000 | 2,432,000 | 3,605,000 | 4,524,000 |
| Income tax | 449,000 | 656,000 | 977,000 | 1,161,000 |
| Net income | 1,052,000 | 1,776,000 | 2,628,000 | 3,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,630,000 | 46,090,000 | 47,233,000 | 47,221,000 |
| Total capital | 47,417,000 | 49,953,000 | 51,214,000 | 51,189,000 |
| Risk-weighted assets | 300,667,000 | 306,202,000 | 316,133,000 | 314,839,000 |