Call reports 2014
HIGHLANDS STATE BANK — 2014
What HIGHLANDS STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 233,597,000 | 252,666,000 | 253,167,000 | 272,776,000 |
| Total loans | 195,620,000 | 216,784,000 | 224,407,000 | 242,372,000 |
| Allowance for loan losses | 2,535,000 | 2,682,000 | 2,575,000 | 2,770,000 |
| Securities available for sale | 16,151,000 | 16,905,000 | 12,325,000 | 10,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,819,000 | 210,476,000 | 221,461,000 | 236,589,000 |
| Interest-bearing deposits | 158,899,000 | 162,756,000 | 173,303,000 | 183,034,000 |
| Noninterest-bearing deposits | 45,921,000 | 47,720,000 | 48,158,000 | 53,555,000 |
| Equity capital | 22,295,000 | 26,548,000 | 26,812,000 | 26,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,388,000 | 4,926,000 | 7,653,000 | 10,511,000 |
| Interest expense | 228,000 | 473,000 | 759,000 | 1,078,000 |
| Net interest income | 2,160,000 | 4,453,000 | 6,894,000 | 9,433,000 |
| Noninterest income | 171,000 | 778,000 | 1,356,000 | 2,141,000 |
| Noninterest expense | 1,926,000 | 4,281,000 | 6,677,000 | 9,607,000 |
| Provision for loan losses | 127,000 | 362,000 | 477,000 | 671,000 |
| Pretax income | 278,000 | 657,000 | 1,188,000 | 1,389,000 |
| Income tax | 111,000 | 263,000 | 475,000 | 556,000 |
| Net income | 167,000 | 394,000 | 713,000 | 833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,546,000 | 23,907,000 | 24,059,000 | 24,346,000 |
| Total capital | 21,976,000 | 26,576,000 | 26,634,000 | 27,116,000 |
| Risk-weighted assets | 194,341,000 | 213,528,000 | 218,364,000 | 236,141,000 |
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