Call reports 2012
HIGHLANDS STATE BANK — 2012
What HIGHLANDS STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 181,263,000 | 185,369,000 | 187,362,000 | 193,109,000 |
| Total loans | 139,493,000 | 148,069,000 | 156,363,000 | 163,165,000 |
| Allowance for loan losses | 2,194,000 | 2,388,000 | 2,410,000 | 2,630,000 |
| Securities available for sale | 13,935,000 | 15,188,000 | 13,752,000 | 11,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,997,000 | 161,017,000 | 164,748,000 | 167,592,000 |
| Interest-bearing deposits | 129,140,000 | 126,610,000 | 132,300,000 | 133,485,000 |
| Noninterest-bearing deposits | 27,857,000 | 34,407,000 | 32,448,000 | 34,107,000 |
| Equity capital | 18,652,000 | 18,832,000 | 19,002,000 | 19,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,901,000 | 3,884,000 | 6,016,000 | 8,245,000 |
| Interest expense | 271,000 | 528,000 | 768,000 | 1,009,000 |
| Net interest income | 1,630,000 | 3,356,000 | 5,248,000 | 7,236,000 |
| Noninterest income | 123,000 | 236,000 | 345,000 | 483,000 |
| Noninterest expense | 1,474,000 | 2,916,000 | 4,382,000 | 5,763,000 |
| Provision for loan losses | 143,000 | 336,000 | 704,000 | 1,077,000 |
| Pretax income | 165,000 | 369,000 | 536,000 | 908,000 |
| Income tax | 0 | 0 | 0 | -640,000 |
| Net income | 165,000 | 369,000 | 536,000 | 1,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,747,000 | 17,923,000 | 18,078,000 | 18,593,000 |
| Total capital | 19,647,000 | 19,886,000 | 20,135,000 | 20,778,000 |
| Risk-weighted assets | 151,708,000 | 156,679,000 | 164,281,000 | 174,406,000 |
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