Call reports 2008
HIGHLANDS STATE BANK — 2008
What HIGHLANDS STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 51,296,000 | 59,232,000 | 63,440,000 | 119,647,000 |
| Total loans | 37,533,000 | 43,766,000 | 51,273,000 | 90,603,000 |
| Allowance for loan losses | 378,000 | 442,000 | 493,000 | 1,148,000 |
| Securities available for sale | 10,479,000 | 10,645,000 | 9,831,000 | 19,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,287,000 | 46,849,000 | 49,338,000 | 96,781,000 |
| Interest-bearing deposits | 29,562,000 | 35,225,000 | 40,849,000 | 85,479,000 |
| Noninterest-bearing deposits | 7,725,000 | 11,624,000 | 8,489,000 | 11,302,000 |
| Equity capital | 8,580,000 | 8,166,000 | 7,791,000 | 12,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 712,000 | 1,469,000 | 2,299,000 | 3,214,000 |
| Interest expense | 276,000 | 549,000 | 871,000 | 1,262,000 |
| Net interest income | 436,000 | 920,000 | 1,428,000 | 1,952,000 |
| Noninterest income | 46,000 | 81,000 | 121,000 | 165,000 |
| Noninterest expense | 624,000 | 1,222,000 | 1,856,000 | 2,600,000 |
| Provision for loan losses | 74,000 | 138,000 | 189,000 | 410,000 |
| Pretax income | -216,000 | -359,000 | -586,000 | -990,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 3,000 |
| Net income | -217,000 | -361,000 | -589,000 | -993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,433,000 | 8,301,000 | 8,037,000 | 11,637,000 |
| Total capital | 8,811,000 | 8,743,000 | 8,530,000 | 12,783,000 |
| Risk-weighted assets | 42,107,000 | 49,440,000 | 55,963,000 | 103,063,000 |
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