Call reports 2004
HIGHLANDS INDEPENDENT BANK — 2004
What HIGHLANDS INDEPENDENT BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 198,166,000 | 204,362,000 | 206,834,000 | 231,566,000 |
| Total loans | 129,068,000 | 136,500,000 | 145,125,000 | 154,807,000 |
| Allowance for loan losses | 1,236,000 | 1,313,000 | 1,378,000 | 1,443,000 |
| Securities available for sale | 33,630,000 | 37,250,000 | 36,795,000 | 47,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,719,000 | 190,507,000 | 191,421,000 | 215,886,000 |
| Interest-bearing deposits | 139,385,000 | 144,369,000 | 145,566,000 | 160,590,000 |
| Noninterest-bearing deposits | 45,334,000 | 46,138,000 | 45,855,000 | 55,296,000 |
| Equity capital | 12,416,000 | 12,918,000 | 14,431,000 | 14,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,250,000 | 4,612,000 | 7,130,000 | 9,978,000 |
| Interest expense | 488,000 | 990,000 | 1,503,000 | 2,066,000 |
| Net interest income | 1,762,000 | 3,622,000 | 5,627,000 | 7,912,000 |
| Noninterest income | 538,000 | 1,163,000 | 1,702,000 | 2,288,000 |
| Noninterest expense | 1,498,000 | 3,073,000 | 4,676,000 | 6,529,000 |
| Provision for loan losses | 186,000 | 286,000 | 361,000 | 432,000 |
| Pretax income | 616,000 | 1,415,000 | 2,281,000 | 3,231,000 |
| Income tax | 222,000 | 513,000 | 830,000 | 1,184,000 |
| Net income | 394,000 | 902,000 | 1,451,000 | 2,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,179,000 | 13,188,000 | 14,336,000 | 14,933,000 |
| Total capital | 13,415,000 | 14,501,000 | 15,714,000 | 16,376,000 |
| Risk-weighted assets | 134,561,000 | 141,026,000 | 144,415,000 | 157,825,000 |