Call reports 2006
HIGHLANDS INDEPENDENT BANK — 2006
What HIGHLANDS INDEPENDENT BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 272,730,000 | 286,822,000 | 283,161,000 | 295,880,000 |
| Total loans | 207,354,000 | 217,236,000 | 213,935,000 | 217,426,000 |
| Allowance for loan losses | 1,988,000 | 2,092,000 | 2,199,000 | 2,291,000 |
| Securities available for sale | 30,825,000 | 30,021,000 | 34,843,000 | 39,411,000 |
| Securities held to maturity | 1,906,000 | 1,905,000 | 4,173,000 | 5,169,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,337,000 | 260,567,000 | 252,441,000 | 264,139,000 |
| Interest-bearing deposits | 185,011,000 | 186,869,000 | 195,591,000 | 206,574,000 |
| Noninterest-bearing deposits | 66,326,000 | 73,698,000 | 56,850,000 | 57,565,000 |
| Equity capital | 19,070,000 | 20,133,000 | 21,627,000 | 22,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,380,000 | 9,077,000 | 14,010,000 | 19,143,000 |
| Interest expense | 1,153,000 | 2,538,000 | 4,193,000 | 6,124,000 |
| Net interest income | 3,227,000 | 6,539,000 | 9,817,000 | 13,019,000 |
| Noninterest income | 885,000 | 1,771,000 | 2,669,000 | 3,626,000 |
| Noninterest expense | 2,217,000 | 4,443,000 | 6,671,000 | 8,958,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,790,000 | 3,657,000 | 5,500,000 | 7,267,000 |
| Income tax | 647,000 | 1,315,000 | 1,971,000 | 2,620,000 |
| Net income | 1,143,000 | 2,342,000 | 3,529,000 | 4,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,708,000 | 20,907,000 | 22,094,000 | 23,221,000 |
| Total capital | 21,696,000 | 22,999,000 | 24,293,000 | 25,512,000 |
| Risk-weighted assets | 202,789,000 | 214,584,000 | 213,251,000 | 220,538,000 |