Call reports 2007
HIGHLANDS STATE BANK — 2007
What HIGHLANDS STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 32,624,000 | 35,267,000 | 39,559,000 | 42,874,000 |
| Total loans | 12,760,000 | 20,979,000 | 25,504,000 | 31,328,000 |
| Allowance for loan losses | 128,000 | 205,000 | 253,000 | 304,000 |
| Securities available for sale | 9,420,000 | 8,917,000 | 8,108,000 | 7,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,275,000 | 27,208,000 | 31,317,000 | 33,216,000 |
| Interest-bearing deposits | 16,563,000 | 21,280,000 | 21,969,000 | 26,519,000 |
| Noninterest-bearing deposits | 7,712,000 | 5,928,000 | 9,347,000 | 6,697,000 |
| Equity capital | 8,246,000 | 7,901,000 | 8,070,000 | 8,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 434,000 | 939,000 | 1,548,000 | 2,202,000 |
| Interest expense | 162,000 | 365,000 | 600,000 | 861,000 |
| Net interest income | 272,000 | 574,000 | 948,000 | 1,341,000 |
| Noninterest income | 13,000 | 26,000 | 44,000 | 64,000 |
| Noninterest expense | 510,000 | 1,027,000 | 1,547,000 | 2,086,000 |
| Provision for loan losses | 49,000 | 126,000 | 174,000 | 225,000 |
| Pretax income | -274,000 | -553,000 | -728,000 | -905,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -274,000 | -553,000 | -728,000 | -905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,244,000 | 7,997,000 | 8,079,000 | 8,640,000 |
| Total capital | 8,372,000 | 8,202,000 | 8,332,000 | 8,944,000 |
| Risk-weighted assets | 17,723,000 | 24,142,000 | 28,934,000 | 35,338,000 |