Call reports 2015
HIGHLANDS STATE BANK — 2015
What HIGHLANDS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 282,106,000 | 299,210,000 | 303,288,000 | 315,380,000 |
| Total loans | 256,719,000 | 266,857,000 | 276,510,000 | 290,244,000 |
| Allowance for loan losses | 2,933,000 | 3,149,000 | 3,287,000 | 3,356,000 |
| Securities available for sale | 10,936,000 | 12,306,000 | 5,373,000 | 3,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,528,000 | 255,571,000 | 265,996,000 | 269,300,000 |
| Interest-bearing deposits | 193,312,000 | 196,645,000 | 204,812,000 | 205,626,000 |
| Noninterest-bearing deposits | 52,216,000 | 58,926,000 | 61,184,000 | 63,674,000 |
| Equity capital | 27,282,000 | 27,692,000 | 28,193,000 | 29,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,971,000 | 6,113,000 | 9,391,000 | 12,753,000 |
| Interest expense | 348,000 | 745,000 | 1,180,000 | 1,591,000 |
| Net interest income | 2,623,000 | 5,368,000 | 8,211,000 | 11,162,000 |
| Noninterest income | 518,000 | 1,435,000 | 2,428,000 | 3,142,000 |
| Noninterest expense | 2,474,000 | 5,195,000 | 8,077,000 | 10,838,000 |
| Provision for loan losses | 163,000 | 378,000 | 520,000 | 711,000 |
| Pretax income | 504,000 | 1,264,000 | 2,156,000 | 2,869,000 |
| Income tax | 202,000 | 472,000 | 786,000 | 1,013,000 |
| Net income | 302,000 | 792,000 | 1,370,000 | 1,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,880,000 | 25,536,000 | 26,091,000 | 27,488,000 |
| Total capital | 26,813,000 | 28,685,000 | 29,378,000 | 30,844,000 |
| Risk-weighted assets | 254,236,000 | 261,040,000 | 271,172,000 | 278,496,000 |