Call reports 2011
HIGHLANDS INDEPENDENT BANK — 2011
What HIGHLANDS INDEPENDENT BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 286,769,000 | 276,954,000 | 264,234,000 | 260,569,000 |
| Total loans | 179,056,000 | 168,535,000 | 166,489,000 | 164,169,000 |
| Allowance for loan losses | 7,757,000 | 7,369,000 | 8,326,000 | 9,871,000 |
| Securities available for sale | 39,198,000 | 46,678,000 | 43,147,000 | 38,194,000 |
| Securities held to maturity | 5,998,000 | 5,998,000 | 5,997,000 | 5,997,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,965,000 | 253,311,000 | 241,703,000 | 240,638,000 |
| Interest-bearing deposits | 196,609,000 | 189,576,000 | 184,485,000 | 176,453,000 |
| Noninterest-bearing deposits | 67,357,000 | 63,735,000 | 57,219,000 | 64,185,000 |
| Equity capital | 20,544,000 | 21,278,000 | 20,007,000 | 17,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,740,000 | 5,561,000 | 8,190,000 | 10,575,000 |
| Interest expense | 457,000 | 828,000 | 1,173,000 | 1,488,000 |
| Net interest income | 2,283,000 | 4,733,000 | 7,017,000 | 9,087,000 |
| Noninterest income | 232,000 | 886,000 | 1,380,000 | 1,459,000 |
| Noninterest expense | 2,106,000 | 4,553,000 | 6,809,000 | 9,109,000 |
| Provision for loan losses | 835,000 | 1,289,000 | 3,054,000 | 5,064,000 |
| Pretax income | -93,000 | 110,000 | -1,133,000 | -3,294,000 |
| Income tax | 0 | 0 | 20,000 | 0 |
| Net income | -93,000 | 110,000 | -1,153,000 | -3,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,759,000 | 19,961,000 | 18,693,000 | 16,535,000 |
| Total capital | 22,167,000 | 22,285,000 | 20,980,000 | 18,791,000 |
| Risk-weighted assets | 187,272,000 | 180,907,000 | 176,908,000 | 172,886,000 |