Call reports 2007
HIGHLANDS INDEPENDENT BANK — 2007
What HIGHLANDS INDEPENDENT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 309,290,000 | 314,824,000 | 305,552,000 | 304,327,000 |
| Total loans | 215,101,000 | 213,464,000 | 214,211,000 | 221,432,000 |
| Allowance for loan losses | 2,369,000 | 2,392,000 | 2,211,000 | 3,005,000 |
| Securities available for sale | 40,054,000 | 45,017,000 | 45,882,000 | 42,690,000 |
| Securities held to maturity | 6,242,000 | 8,421,000 | 11,025,000 | 11,024,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,623,000 | 287,443,000 | 277,233,000 | 272,502,000 |
| Interest-bearing deposits | 223,463,000 | 227,308,000 | 223,907,000 | 221,697,000 |
| Noninterest-bearing deposits | 59,160,000 | 60,135,000 | 53,326,000 | 50,805,000 |
| Equity capital | 23,988,000 | 24,840,000 | 26,063,000 | 26,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,204,000 | 10,740,000 | 16,175,000 | 21,323,000 |
| Interest expense | 2,136,000 | 4,462,000 | 6,867,000 | 9,121,000 |
| Net interest income | 3,068,000 | 6,278,000 | 9,308,000 | 12,202,000 |
| Noninterest income | 1,158,000 | 2,036,000 | 2,713,000 | 3,429,000 |
| Noninterest expense | 2,432,000 | 4,786,000 | 6,896,000 | 8,896,000 |
| Provision for loan losses | 75,000 | 150,000 | 410,000 | 1,385,000 |
| Pretax income | 1,719,000 | 3,378,000 | 4,715,000 | 5,350,000 |
| Income tax | 615,000 | 1,199,000 | 1,652,000 | 1,837,000 |
| Net income | 1,104,000 | 2,179,000 | 3,063,000 | 3,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,325,000 | 25,400,000 | 26,285,000 | 26,745,000 |
| Total capital | 26,694,000 | 27,792,000 | 28,496,000 | 29,581,000 |
| Risk-weighted assets | 222,391,000 | 223,665,000 | 223,068,000 | 226,816,000 |