Call reports 2019
HIGHLAND BANK — 2019
What HIGHLAND BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 521,783,000 | 535,863,000 | 526,468,000 | 518,831,000 |
| Total loans | 343,881,000 | 358,418,000 | 360,882,000 | 361,936,000 |
| Allowance for loan losses | 4,726,000 | 4,771,000 | 4,820,000 | 4,833,000 |
| Securities available for sale | 161,686,000 | 160,372,000 | 146,907,000 | 139,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,682,000 | 386,164,000 | 394,802,000 | 391,692,000 |
| Interest-bearing deposits | 267,365,000 | 262,407,000 | 257,502,000 | 259,581,000 |
| Noninterest-bearing deposits | 131,317,000 | 123,757,000 | 137,300,000 | 132,111,000 |
| Equity capital | 53,888,000 | 56,821,000 | 58,406,000 | 58,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,686,000 | 11,509,000 | 17,481,000 | 23,773,000 |
| Interest expense | 864,000 | 1,798,000 | 2,873,000 | 3,802,000 |
| Net interest income | 4,822,000 | 9,711,000 | 14,608,000 | 19,971,000 |
| Noninterest income | 810,000 | 1,408,000 | 1,247,000 | 1,804,000 |
| Noninterest expense | 3,936,000 | 7,813,000 | 11,598,000 | 16,010,000 |
| Provision for loan losses | 0 | 0 | 0 | 300,000 |
| Pretax income | 1,785,000 | 3,694,000 | 5,192,000 | 7,305,000 |
| Income tax | 461,000 | 956,000 | 1,360,000 | 1,928,000 |
| Net income | 1,324,000 | 2,738,000 | 3,832,000 | 5,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,550,000 | 51,581,000 | 52,878,000 | 53,873,000 |
| Total capital | 54,276,000 | 56,352,000 | 57,698,000 | 58,706,000 |
| Risk-weighted assets | 401,537,000 | 419,818,000 | 415,168,000 | 413,644,000 |