Call reports 2013
HIGHLANDS STATE BANK — 2013
What HIGHLANDS STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 198,075,000 | 201,242,000 | 209,093,000 | 223,449,000 |
| Total loans | 162,298,000 | 162,179,000 | 172,765,000 | 191,943,000 |
| Allowance for loan losses | 2,762,000 | 2,827,000 | 2,581,000 | 2,597,000 |
| Securities available for sale | 12,635,000 | 16,049,000 | 15,379,000 | 14,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,984,000 | 179,702,000 | 184,549,000 | 197,077,000 |
| Interest-bearing deposits | 138,081,000 | 145,271,000 | 143,710,000 | 153,188,000 |
| Noninterest-bearing deposits | 35,903,000 | 34,431,000 | 40,839,000 | 43,889,000 |
| Equity capital | 20,499,000 | 20,878,000 | 21,494,000 | 21,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,200,000 | 4,364,000 | 6,542,000 | 8,870,000 |
| Interest expense | 236,000 | 444,000 | 629,000 | 834,000 |
| Net interest income | 1,964,000 | 3,920,000 | 5,913,000 | 8,036,000 |
| Noninterest income | 19,000 | -82,000 | 31,000 | 164,000 |
| Noninterest expense | 1,652,000 | 3,228,000 | 4,836,000 | 6,529,000 |
| Provision for loan losses | 152,000 | 217,000 | 388,000 | 727,000 |
| Pretax income | 179,000 | 404,000 | 731,000 | 960,000 |
| Income tax | -353,000 | -683,000 | -977,000 | -1,310,000 |
| Net income | 532,000 | 1,087,000 | 1,708,000 | 2,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,773,000 | 18,999,000 | 19,327,000 | 19,558,000 |
| Total capital | 21,054,000 | 21,355,000 | 21,726,000 | 22,155,000 |
| Risk-weighted assets | 182,053,000 | 188,085,000 | 191,743,000 | 210,465,000 |
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