Call reports 2010
HIGHLANDS INDEPENDENT BANK — 2010
What HIGHLANDS INDEPENDENT BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 322,797,000 | 314,066,000 | 293,856,000 | 286,009,000 |
| Total loans | 195,213,000 | 193,897,000 | 189,357,000 | 185,655,000 |
| Allowance for loan losses | 6,377,000 | 7,468,000 | 8,189,000 | 8,632,000 |
| Securities available for sale | 53,666,000 | 49,519,000 | 43,589,000 | 42,332,000 |
| Securities held to maturity | 11,336,000 | 6,000,000 | 6,000,000 | 5,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,637,000 | 278,102,000 | 260,360,000 | 262,689,000 |
| Interest-bearing deposits | 235,599,000 | 224,438,000 | 210,577,000 | 206,645,000 |
| Noninterest-bearing deposits | 53,038,000 | 53,664,000 | 49,782,000 | 56,044,000 |
| Equity capital | 27,766,000 | 29,512,000 | 26,907,000 | 21,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,266,000 | 6,497,000 | 9,550,000 | 11,914,000 |
| Interest expense | 860,000 | 1,616,000 | 2,267,000 | 2,923,000 |
| Net interest income | 2,406,000 | 4,881,000 | 7,283,000 | 8,991,000 |
| Noninterest income | 228,000 | 556,000 | 614,000 | 681,000 |
| Noninterest expense | 2,100,000 | 4,212,000 | 6,381,000 | 8,479,000 |
| Provision for loan losses | 400,000 | 3,800,000 | 5,934,000 | 7,759,000 |
| Pretax income | 134,000 | -2,050,000 | -3,893,000 | -6,042,000 |
| Income tax | -10,000 | -883,000 | -1,595,000 | 3,907,000 |
| Net income | 144,000 | -1,167,000 | -2,298,000 | -9,949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,097,000 | 23,913,000 | 22,042,000 | 19,852,000 |
| Total capital | 25,744,000 | 26,532,000 | 24,606,000 | 22,293,000 |
| Risk-weighted assets | 208,066,000 | 204,712,000 | 199,508,000 | 189,132,000 |