Call reports 2016
HIGHLAND BANK — 2016
What HIGHLAND BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 499,539,000 | 492,673,000 | 497,772,000 | 488,835,000 |
| Total loans | 267,458,000 | 260,835,000 | 278,336,000 | 284,075,000 |
| Allowance for loan losses | 4,304,000 | 4,424,000 | 4,444,000 | 4,459,000 |
| Securities available for sale | 209,713,000 | 206,934,000 | 197,436,000 | 184,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,358,000 | 375,127,000 | 378,235,000 | 360,269,000 |
| Interest-bearing deposits | 247,274,000 | 240,318,000 | 231,738,000 | 225,063,000 |
| Noninterest-bearing deposits | 131,084,000 | 134,809,000 | 146,497,000 | 135,206,000 |
| Equity capital | 51,245,000 | 53,666,000 | 53,746,000 | 51,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,597,000 | 9,163,000 | 13,895,000 | 18,635,000 |
| Interest expense | 388,000 | 774,000 | 1,127,000 | 1,461,000 |
| Net interest income | 4,209,000 | 8,389,000 | 12,768,000 | 17,174,000 |
| Noninterest income | 464,000 | 940,000 | 1,472,000 | 2,172,000 |
| Noninterest expense | 3,413,000 | 7,030,000 | 10,612,000 | 14,255,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,185,000 | 2,310,000 | 3,485,000 | 4,771,000 |
| Income tax | 315,000 | 602,000 | 904,000 | 1,365,000 |
| Net income | 870,000 | 1,708,000 | 2,581,000 | 3,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,005,000 | 47,587,000 | 48,222,000 | 48,186,000 |
| Total capital | 50,035,000 | 51,582,000 | 52,332,000 | 52,383,000 |
| Risk-weighted assets | 320,907,000 | 318,377,000 | 327,471,000 | 333,717,000 |