Call reports 2006
HIGHLANDS STATE BANK — 2006
What HIGHLANDS STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 22,842,000 | 25,191,000 | 28,601,000 | 31,178,000 |
| Total loans | 204,000 | 3,074,000 | 4,643,000 | 7,849,000 |
| Allowance for loan losses | 1,000 | 38,000 | 55,000 | 79,000 |
| Securities available for sale | 2,898,000 | 4,832,000 | 5,865,000 | 9,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,590,000 | 16,206,000 | 19,755,000 | 22,558,000 |
| Interest-bearing deposits | 4,766,000 | 9,782,000 | 12,931,000 | 15,335,000 |
| Noninterest-bearing deposits | 8,824,000 | 6,424,000 | 6,824,000 | 7,222,000 |
| Equity capital | 9,156,000 | 8,891,000 | 8,741,000 | 8,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 201,000 | 481,000 | 835,000 | 1,234,000 |
| Interest expense | 31,000 | 103,000 | 224,000 | 372,000 |
| Net interest income | 170,000 | 378,000 | 611,000 | 862,000 |
| Noninterest income | 4,000 | 12,000 | 19,000 | 33,000 |
| Noninterest expense | 456,000 | 915,000 | 1,390,000 | 1,960,000 |
| Provision for loan losses | 1,000 | 38,000 | 55,000 | 79,000 |
| Pretax income | -283,000 | -563,000 | -815,000 | -1,144,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -283,000 | -563,000 | -815,000 | -1,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,146,000 | 8,923,000 | 8,746,000 | 8,492,000 |
| Total capital | 9,147,000 | 8,961,000 | 8,801,000 | 8,571,000 |
| Risk-weighted assets | 5,118,000 | 8,196,000 | 10,144,000 | 14,314,000 |
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