Call reports 2012
HIGHLANDS INDEPENDENT BANK — 2012
What HIGHLANDS INDEPENDENT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 270,363,000 | 269,402,000 | 253,863,000 | 251,680,000 |
| Total loans | 159,709,000 | 146,132,000 | 141,276,000 | 140,393,000 |
| Allowance for loan losses | 9,045,000 | 8,500,000 | 7,462,000 | 7,229,000 |
| Securities available for sale | 48,492,000 | 45,453,000 | 41,355,000 | 62,046,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,736,000 | 249,337,000 | 235,833,000 | 235,591,000 |
| Interest-bearing deposits | 178,718,000 | 177,493,000 | 169,160,000 | 163,375,000 |
| Noninterest-bearing deposits | 71,018,000 | 71,845,000 | 66,673,000 | 72,216,000 |
| Equity capital | 18,392,000 | 17,648,000 | 15,555,000 | 13,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,382,000 | 4,643,000 | 6,619,000 | 8,684,000 |
| Interest expense | 284,000 | 534,000 | 760,000 | 950,000 |
| Net interest income | 2,098,000 | 4,109,000 | 5,859,000 | 7,734,000 |
| Noninterest income | 505,000 | 1,148,000 | 1,494,000 | 1,035,000 |
| Noninterest expense | 2,221,000 | 4,644,000 | 6,975,000 | 9,319,000 |
| Provision for loan losses | 67,000 | 1,061,000 | 3,102,000 | 3,527,000 |
| Pretax income | 1,112,000 | 349,000 | -1,927,000 | -3,280,000 |
| Income tax | 0 | 0 | 0 | 200,000 |
| Net income | 1,112,000 | 349,000 | -1,927,000 | -3,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,649,000 | 16,885,000 | 14,609,000 | 13,493,000 |
| Total capital | 19,883,000 | 18,995,000 | 16,636,000 | 15,466,000 |
| Risk-weighted assets | 171,952,000 | 162,374,000 | 156,726,000 | 152,617,000 |