Call reports 2017
HIGHLANDS STATE BANK — 2017
What HIGHLANDS STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 407,591,000 | 415,558,000 | 430,357,000 | 449,037,000 |
| Total loans | 360,876,000 | 377,796,000 | 380,730,000 | 405,628,000 |
| Allowance for loan losses | 3,836,000 | 4,048,000 | 4,105,000 | 4,276,000 |
| Securities available for sale | 12,498,000 | 11,024,000 | 10,989,000 | 10,439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,293,000 | 364,087,000 | 383,043,000 | 391,262,000 |
| Interest-bearing deposits | 286,253,000 | 285,749,000 | 296,553,000 | 305,685,000 |
| Noninterest-bearing deposits | 74,040,000 | 78,338,000 | 86,489,000 | 85,577,000 |
| Equity capital | 38,592,000 | 39,299,000 | 39,807,000 | 39,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,033,000 | 8,271,000 | 12,665,000 | 17,266,000 |
| Interest expense | 701,000 | 1,440,000 | 2,245,000 | 3,091,000 |
| Net interest income | 3,332,000 | 6,831,000 | 10,420,000 | 14,175,000 |
| Noninterest income | 792,000 | 1,575,000 | 2,299,000 | 3,199,000 |
| Noninterest expense | 2,820,000 | 5,549,000 | 8,369,000 | 11,506,000 |
| Provision for loan losses | 279,000 | 490,000 | 547,000 | 764,000 |
| Pretax income | 1,025,000 | 2,395,000 | 3,831,000 | 5,093,000 |
| Income tax | 369,000 | 865,000 | 1,381,000 | 2,505,000 |
| Net income | 656,000 | 1,529,000 | 2,448,000 | 2,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,880,000 | 37,582,000 | 38,092,000 | 38,289,000 |
| Total capital | 40,716,000 | 41,630,000 | 42,197,000 | 42,565,000 |
| Risk-weighted assets | 345,966,000 | 358,330,000 | 362,454,000 | 394,808,000 |