Call reports 2016
HIGHLANDS STATE BANK — 2016
What HIGHLANDS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 321,074,000 | 343,268,000 | 385,164,000 | 395,030,000 |
| Total loans | 300,720,000 | 315,930,000 | 330,426,000 | 340,156,000 |
| Allowance for loan losses | 3,254,000 | 3,407,000 | 3,532,000 | 3,567,000 |
| Securities available for sale | 3,809,000 | 3,779,000 | 3,716,000 | 9,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,262,000 | 302,602,000 | 341,707,000 | 344,444,000 |
| Interest-bearing deposits | 199,071,000 | 233,181,000 | 270,814,000 | 272,623,000 |
| Noninterest-bearing deposits | 71,191,000 | 69,421,000 | 70,892,000 | 71,822,000 |
| Equity capital | 30,258,000 | 30,264,000 | 30,585,000 | 38,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,454,000 | 7,050,000 | 10,805,000 | 14,707,000 |
| Interest expense | 426,000 | 925,000 | 1,523,000 | 2,216,000 |
| Net interest income | 3,028,000 | 6,125,000 | 9,282,000 | 12,491,000 |
| Noninterest income | 969,000 | 1,857,000 | 2,913,000 | 4,090,000 |
| Noninterest expense | 2,967,000 | 5,824,000 | 8,906,000 | 12,133,000 |
| Provision for loan losses | 180,000 | 405,000 | 534,000 | 663,000 |
| Pretax income | 850,000 | 1,753,000 | 2,755,000 | 3,785,000 |
| Income tax | 307,000 | 631,000 | 994,000 | 1,359,000 |
| Net income | 543,000 | 1,122,000 | 1,761,000 | 2,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,496,000 | 28,504,000 | 28,831,000 | 36,511,000 |
| Total capital | 31,750,000 | 31,912,000 | 32,363,000 | 40,078,000 |
| Risk-weighted assets | 287,554,000 | 304,037,000 | 315,933,000 | 325,858,000 |
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