Call reports 2020
HIGHLAND BANK — 2020
What HIGHLAND BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 513,429,000 | 607,375,000 | 604,066,000 | 599,135,000 |
| Total loans | 347,977,000 | 442,131,000 | 436,560,000 | 421,801,000 |
| Allowance for loan losses | 4,870,000 | 5,573,000 | 6,004,000 | 6,586,000 |
| Securities available for sale | 152,600,000 | 150,049,000 | 152,605,000 | 158,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,459,000 | 463,080,000 | 479,225,000 | 491,212,000 |
| Interest-bearing deposits | 260,967,000 | 275,044,000 | 295,415,000 | 302,252,000 |
| Noninterest-bearing deposits | 132,492,000 | 188,036,000 | 183,810,000 | 188,960,000 |
| Equity capital | 53,528,000 | 58,094,000 | 59,930,000 | 61,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,771,000 | 11,105,000 | 17,176,000 | 23,139,000 |
| Interest expense | 790,000 | 1,403,000 | 1,957,000 | 2,447,000 |
| Net interest income | 4,981,000 | 9,702,000 | 15,219,000 | 20,692,000 |
| Noninterest income | 694,000 | 1,097,000 | 1,551,000 | 2,101,000 |
| Noninterest expense | 3,427,000 | 7,398,000 | 11,757,000 | 15,879,000 |
| Provision for loan losses | 0 | 600,000 | 1,200,000 | 1,800,000 |
| Pretax income | 2,248,000 | 3,277,000 | 4,381,000 | 5,682,000 |
| Income tax | 1,814,000 | 1,814,000 | 1,814,000 | 1,769,000 |
| Net income | 434,000 | 1,463,000 | 2,567,000 | 3,913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,941,000 | 50,977,000 | 52,074,000 | 53,412,000 |
| Total capital | — | 55,862,000 | 56,891,000 | 58,487,000 |
| Risk-weighted assets | — | 390,077,000 | 384,173,000 | 404,461,000 |