Call reports 2018
HIGHLANDS STATE BANK — 2018
What HIGHLANDS STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 460,295,000 | 487,803,000 | 487,760,000 | 484,828,000 |
| Total loans | 410,525,000 | 433,603,000 | 432,009,000 | 439,624,000 |
| Allowance for loan losses | 4,375,000 | 4,596,000 | 4,673,000 | 4,828,000 |
| Securities available for sale | 12,225,000 | 12,172,000 | 20,985,000 | 21,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,003,000 | 404,502,000 | 407,680,000 | 410,787,000 |
| Interest-bearing deposits | 316,490,000 | 309,308,000 | 314,588,000 | 326,113,000 |
| Noninterest-bearing deposits | 82,513,000 | 95,194,000 | 93,092,000 | 84,674,000 |
| Equity capital | 40,326,000 | 41,334,000 | 42,414,000 | 43,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,668,000 | 9,640,000 | 14,919,000 | 20,269,000 |
| Interest expense | 911,000 | 1,976,000 | 3,191,000 | 4,505,000 |
| Net interest income | 3,757,000 | 7,664,000 | 11,728,000 | 15,764,000 |
| Noninterest income | 864,000 | 1,689,000 | 2,347,000 | 2,894,000 |
| Noninterest expense | 3,196,000 | 6,279,000 | 9,339,000 | 12,094,000 |
| Provision for loan losses | 99,000 | 320,000 | 397,000 | 548,000 |
| Pretax income | 1,326,000 | 2,754,000 | 4,339,000 | 6,016,000 |
| Income tax | 310,000 | 638,000 | 1,047,000 | 1,388,000 |
| Net income | 1,016,000 | 2,115,000 | 3,291,000 | 4,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,043,000 | 40,101,000 | 41,218,000 | 42,460,000 |
| Total capital | 43,418,000 | 44,697,000 | 45,891,000 | 47,288,000 |
| Risk-weighted assets | 401,062,000 | 413,247,000 | 413,092,000 | 417,438,000 |