Call reports 2001
HIGHLANDS INDEPENDENT BANK — 2001
What HIGHLANDS INDEPENDENT BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 112,248,000 | 112,951,000 | 117,454,000 | 126,274,000 |
| Total loans | 56,166,000 | 59,989,000 | 62,719,000 | 67,692,000 |
| Allowance for loan losses | 547,000 | 582,000 | 628,000 | 671,000 |
| Securities available for sale | 37,658,000 | 36,545,000 | 35,433,000 | 37,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,412,000 | 101,966,000 | 105,903,000 | 115,151,000 |
| Interest-bearing deposits | 79,667,000 | 80,812,000 | 82,534,000 | 89,221,000 |
| Noninterest-bearing deposits | 21,745,000 | 21,154,000 | 23,369,000 | 25,930,000 |
| Equity capital | 9,898,000 | 10,042,000 | 10,439,000 | 10,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,911,000 | 3,873,000 | 5,784,000 | 7,712,000 |
| Interest expense | 810,000 | 1,662,000 | 2,484,000 | 3,217,000 |
| Net interest income | 1,101,000 | 2,211,000 | 3,300,000 | 4,495,000 |
| Noninterest income | 236,000 | 480,000 | 732,000 | 1,019,000 |
| Noninterest expense | 861,000 | 1,754,000 | 2,676,000 | 3,643,000 |
| Provision for loan losses | 35,000 | 80,000 | 125,000 | 170,000 |
| Pretax income | 523,000 | 968,000 | 1,503,000 | 1,981,000 |
| Income tax | 190,000 | 351,000 | 546,000 | 726,000 |
| Net income | 333,000 | 617,000 | 957,000 | 1,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,615,000 | 9,780,000 | 10,000,000 | 10,177,000 |
| Total capital | 10,162,000 | 10,362,000 | 10,628,000 | 10,848,000 |
| Risk-weighted assets | 61,910,000 | 65,280,000 | 72,319,000 | 82,351,000 |