Call reports 2005
HIGHLANDS INDEPENDENT BANK — 2005
What HIGHLANDS INDEPENDENT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 237,805,000 | 247,668,000 | 259,474,000 | 262,342,000 |
| Total loans | 165,047,000 | 175,616,000 | 192,972,000 | 204,505,000 |
| Allowance for loan losses | 1,631,000 | 1,699,000 | 1,775,000 | 1,882,000 |
| Securities available for sale | 40,847,000 | 41,144,000 | 39,424,000 | 31,541,000 |
| Securities held to maturity | 874,000 | 1,910,000 | 1,909,000 | 1,908,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,214,000 | 230,086,000 | 231,215,000 | 234,537,000 |
| Interest-bearing deposits | 159,665,000 | 163,136,000 | 172,637,000 | 172,701,000 |
| Noninterest-bearing deposits | 61,549,000 | 66,950,000 | 58,578,000 | 61,836,000 |
| Equity capital | 15,201,000 | 16,429,000 | 17,260,000 | 18,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,236,000 | 6,657,000 | 10,503,000 | 14,749,000 |
| Interest expense | 575,000 | 1,219,000 | 2,009,000 | 3,149,000 |
| Net interest income | 2,661,000 | 5,438,000 | 8,494,000 | 11,600,000 |
| Noninterest income | 616,000 | 1,427,000 | 2,240,000 | 3,024,000 |
| Noninterest expense | 1,875,000 | 3,889,000 | 6,061,000 | 8,349,000 |
| Provision for loan losses | 192,000 | 267,000 | 342,000 | 482,000 |
| Pretax income | 1,210,000 | 2,709,000 | 4,331,000 | 5,708,000 |
| Income tax | 440,000 | 988,000 | 1,577,000 | 2,076,000 |
| Net income | 770,000 | 1,721,000 | 2,754,000 | 3,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,703,000 | 16,655,000 | 17,687,000 | 18,565,000 |
| Total capital | 17,334,000 | 18,354,000 | 19,461,000 | 20,447,000 |
| Risk-weighted assets | 166,655,000 | 171,921,000 | 187,800,000 | 196,729,000 |