Call reports 2011
HIGHLANDS STATE BANK — 2011
What HIGHLANDS STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 162,371,000 | 163,316,000 | 161,552,000 | 165,987,000 |
| Total loans | 123,502,000 | 129,458,000 | 132,985,000 | 133,390,000 |
| Allowance for loan losses | 1,735,000 | 1,813,000 | 2,049,000 | 2,083,000 |
| Securities available for sale | 16,101,000 | 13,082,000 | 16,480,000 | 15,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,686,000 | 141,460,000 | 138,081,000 | 141,466,000 |
| Interest-bearing deposits | 116,603,000 | 115,660,000 | 112,395,000 | 113,763,000 |
| Noninterest-bearing deposits | 24,082,000 | 25,800,000 | 25,686,000 | 27,703,000 |
| Equity capital | 16,211,000 | 16,388,000 | 17,839,000 | 18,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,857,000 | 3,725,000 | 5,642,000 | 7,558,000 |
| Interest expense | 310,000 | 611,000 | 917,000 | 1,193,000 |
| Net interest income | 1,547,000 | 3,114,000 | 4,725,000 | 6,365,000 |
| Noninterest income | 100,000 | 195,000 | 319,000 | 429,000 |
| Noninterest expense | 1,407,000 | 2,766,000 | 3,991,000 | 5,388,000 |
| Provision for loan losses | 51,000 | 127,000 | 362,000 | 397,000 |
| Pretax income | 227,000 | 461,000 | 736,000 | 1,054,000 |
| Income tax | 0 | 0 | 0 | -480,000 |
| Net income | 227,000 | 461,000 | 736,000 | 1,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,201,000 | 15,363,000 | 16,819,000 | 17,588,000 |
| Total capital | 16,880,000 | 17,095,000 | 18,569,000 | 19,378,000 |
| Risk-weighted assets | 134,309,000 | 138,528,000 | 139,766,000 | 142,939,000 |