Call reports 2009
HIGHLANDS INDEPENDENT BANK — 2009
What HIGHLANDS INDEPENDENT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 332,258,000 | 329,267,000 | 322,935,000 | 321,557,000 |
| Total loans | 215,783,000 | 209,228,000 | 208,446,000 | 199,251,000 |
| Allowance for loan losses | 5,675,000 | 10,336,000 | 11,186,000 | 6,592,000 |
| Securities available for sale | 65,225,000 | 65,855,000 | 65,014,000 | 58,677,000 |
| Securities held to maturity | 11,339,000 | 11,339,000 | 11,338,000 | 11,337,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,452,000 | 286,832,000 | 275,926,000 | 277,581,000 |
| Interest-bearing deposits | 234,237,000 | 238,126,000 | 229,568,000 | 227,040,000 |
| Noninterest-bearing deposits | 49,215,000 | 48,706,000 | 46,358,000 | 50,541,000 |
| Equity capital | 33,648,000 | 30,290,000 | 30,068,000 | 27,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,663,000 | 7,384,000 | 11,064,000 | 14,459,000 |
| Interest expense | 1,389,000 | 2,709,000 | 3,885,000 | 4,899,000 |
| Net interest income | 2,274,000 | 4,675,000 | 7,179,000 | 9,560,000 |
| Noninterest income | 429,000 | 825,000 | 1,182,000 | 1,432,000 |
| Noninterest expense | 2,201,000 | 4,466,000 | 6,641,000 | 8,773,000 |
| Provision for loan losses | 1,457,000 | 7,107,000 | 8,449,000 | 12,849,000 |
| Pretax income | -955,000 | -6,073,000 | -6,549,000 | -10,450,000 |
| Income tax | -419,000 | -2,404,000 | -2,643,000 | -4,171,000 |
| Net income | -536,000 | -3,669,000 | -3,876,000 | -6,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,980,000 | 27,992,000 | 26,865,000 | 22,586,000 |
| Total capital | 35,808,000 | 30,774,000 | 29,620,000 | 25,278,000 |
| Risk-weighted assets | 223,437,000 | 214,997,000 | 211,940,000 | 211,470,000 |