Call reports 2025
HIGHLAND BANK — 2025
What HIGHLAND BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 793,259,000 | 778,258,000 | 778,976,000 | 765,504,000 |
| Total loans | 552,242,000 | 558,517,000 | 559,837,000 | 548,314,000 |
| Allowance for loan losses | 9,003,000 | 11,252,000 | 11,556,000 | 12,763,000 |
| Securities available for sale | 202,379,000 | 198,152,000 | 190,727,000 | 190,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 688,682,000 | 655,358,000 | 671,239,000 | 661,249,000 |
| Interest-bearing deposits | 507,901,000 | 470,117,000 | 504,655,000 | 498,525,000 |
| Noninterest-bearing deposits | 180,781,000 | 185,241,000 | 166,584,000 | 162,724,000 |
| Equity capital | 57,033,000 | 56,292,000 | 58,837,000 | 57,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 11,015,000 | 21,988,000 | 33,430,000 | 44,505,000 |
| Interest expense | 3,690,000 | 7,327,000 | 11,112,000 | 14,737,000 |
| Net interest income | 7,325,000 | 14,661,000 | 22,318,000 | 29,768,000 |
| Noninterest income | 519,000 | 1,195,000 | 1,804,000 | 2,414,000 |
| Noninterest expense | 6,005,000 | 12,028,000 | 18,125,000 | 23,151,000 |
| Provision for loan losses | -419,000 | 1,861,000 | 2,836,000 | 8,536,000 |
| Pretax income | 1,539,000 | 1,528,000 | 2,770,000 | 104,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 1,539,000 | 1,528,000 | 2,770,000 | 103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,392,000 | 68,456,000 | 68,769,000 | 66,194,000 |
| Total capital | 77,654,000 | 76,834,000 | 77,538,000 | 74,189,000 |
| Risk-weighted assets | 659,470,000 | 666,555,000 | 697,937,000 | 634,047,000 |