Call reports 2013
HIGHLANDS INDEPENDENT BANK — 2013
What HIGHLANDS INDEPENDENT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 253,681,000 | 250,061,000 | 246,332,000 | 242,330,000 |
| Total loans | 138,241,000 | 134,565,000 | 127,750,000 | 126,276,000 |
| Allowance for loan losses | 6,518,000 | 5,315,000 | 4,688,000 | 4,314,000 |
| Securities available for sale | 53,562,000 | 53,611,000 | 50,775,000 | 54,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,438,000 | 234,595,000 | 230,578,000 | 227,385,000 |
| Interest-bearing deposits | 160,531,000 | 158,223,000 | 156,298,000 | 155,778,000 |
| Noninterest-bearing deposits | 76,907,000 | 76,372,000 | 74,280,000 | 71,607,000 |
| Equity capital | 14,040,000 | 13,058,000 | 13,271,000 | 12,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,945,000 | 3,897,000 | 5,779,000 | 7,729,000 |
| Interest expense | 160,000 | 306,000 | 442,000 | 568,000 |
| Net interest income | 1,785,000 | 3,591,000 | 5,337,000 | 7,161,000 |
| Noninterest income | 171,000 | 660,000 | 976,000 | 1,325,000 |
| Noninterest expense | 2,314,000 | 4,475,000 | 6,660,000 | 8,815,000 |
| Provision for loan losses | 0 | 2,000 | 11,000 | 16,000 |
| Pretax income | -345,000 | -213,000 | -345,000 | -332,000 |
| Income tax | 0 | 0 | 0 | 615,000 |
| Net income | -345,000 | -213,000 | -345,000 | -947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,843,000 | 13,975,000 | 13,915,000 | 13,313,000 |
| Total capital | 15,814,000 | 15,888,000 | 15,733,000 | 15,122,000 |
| Risk-weighted assets | 153,168,000 | 149,670,000 | 142,594,000 | 142,215,000 |