Call reports 2023
HIGHLAND BANK — 2023
What HIGHLAND BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 665,943,000 | 686,339,000 | 782,951,000 | 783,834,000 |
| Total loans | 421,984,000 | 454,040,000 | 555,220,000 | 550,426,000 |
| Allowance for loan losses | 7,353,000 | 7,413,000 | 9,054,000 | 9,107,000 |
| Securities available for sale | 225,428,000 | 213,017,000 | 206,700,000 | 203,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 547,315,000 | 542,076,000 | 639,489,000 | 640,698,000 |
| Interest-bearing deposits | 353,650,000 | 374,353,000 | 448,513,000 | 463,005,000 |
| Noninterest-bearing deposits | 193,665,000 | 167,723,000 | 190,976,000 | 177,693,000 |
| Equity capital | 37,851,000 | 36,543,000 | 43,840,000 | 53,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 7,421,000 | 15,691,000 | 30,355,000 | 41,326,000 |
| Interest expense | 1,817,000 | 4,560,000 | 8,773,000 | 12,898,000 |
| Net interest income | 5,604,000 | 11,131,000 | 21,582,000 | 28,428,000 |
| Noninterest income | 433,000 | 876,000 | 1,505,000 | 2,000,000 |
| Noninterest expense | 4,603,000 | 9,468,000 | 18,190,000 | 24,124,000 |
| Provision for loan losses | 38,000 | 111,000 | 264,000 | 264,000 |
| Pretax income | 1,306,000 | 2,287,000 | 4,466,000 | 5,479,000 |
| Income tax | 0 | 0 | 893,000 | 893,000 |
| Net income | 1,306,000 | 2,287,000 | 3,573,000 | 4,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,993,000 | 57,980,000 | 67,158,000 | 68,246,000 |
| Total capital | 63,735,000 | 65,050,000 | 75,349,000 | 76,266,000 |
| Risk-weighted assets | 538,160,000 | 564,677,000 | 653,720,000 | 639,787,000 |