Call reports 2009
HIGHLANDS STATE BANK — 2009
What HIGHLANDS STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 125,916,000 | 136,695,000 | 161,240,000 | 165,955,000 |
| Total loans | 98,751,000 | 105,427,000 | 108,654,000 | 114,102,000 |
| Allowance for loan losses | 1,323,000 | 1,508,000 | 1,956,000 | 1,438,000 |
| Securities available for sale | 19,544,000 | 18,886,000 | 21,083,000 | 19,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,297,000 | 115,122,000 | 139,888,000 | 143,816,000 |
| Interest-bearing deposits | 93,277,000 | 98,322,000 | 122,085,000 | 124,074,000 |
| Noninterest-bearing deposits | 12,020,000 | 16,800,000 | 17,803,000 | 19,741,000 |
| Equity capital | 12,044,000 | 14,915,000 | 14,709,000 | 15,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,563,000 | 3,193,000 | 4,929,000 | 6,803,000 |
| Interest expense | 628,000 | 1,225,000 | 1,863,000 | 2,454,000 |
| Net interest income | 935,000 | 1,968,000 | 3,066,000 | 4,349,000 |
| Noninterest income | 55,000 | 117,000 | 224,000 | 313,000 |
| Noninterest expense | 1,109,000 | 2,331,000 | 3,533,000 | 4,774,000 |
| Provision for loan losses | 175,000 | 360,000 | 808,000 | 2,090,000 |
| Pretax income | -294,000 | -606,000 | -1,032,000 | -2,082,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 3,000 |
| Net income | -295,000 | -607,000 | -1,034,000 | -2,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,290,000 | 14,045,000 | 13,614,000 | 14,871,000 |
| Total capital | 12,613,000 | 15,508,000 | 15,168,000 | 16,309,000 |
| Risk-weighted assets | 109,002,000 | 116,244,000 | 123,981,000 | 129,575,000 |
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