Call reports 2002
HIGHLAND STATE BANK — 2002
What HIGHLAND STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 21,398,000 | 22,122,000 | 21,491,000 | 23,322,000 |
| Total loans | 16,341,000 | 16,980,000 | 17,808,000 | 17,879,000 |
| Allowance for loan losses | 201,000 | 203,000 | 208,000 | 215,000 |
| Securities available for sale | 801,000 | 709,000 | 410,000 | 208,000 |
| Securities held to maturity | 965,000 | 565,000 | 365,000 | 435,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,566,000 | 20,267,000 | 19,591,000 | 21,345,000 |
| Interest-bearing deposits | 17,308,000 | 17,680,000 | 17,272,000 | 17,858,000 |
| Noninterest-bearing deposits | 2,258,000 | 2,587,000 | 2,319,000 | 3,487,000 |
| Equity capital | 1,483,000 | 1,486,000 | 1,506,000 | 1,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 355,000 | 710,000 | 1,074,000 | 1,436,000 |
| Interest expense | 140,000 | 273,000 | 401,000 | 522,000 |
| Net interest income | 215,000 | 437,000 | 673,000 | 914,000 |
| Noninterest income | 37,000 | 72,000 | 111,000 | 148,000 |
| Noninterest expense | 161,000 | 318,000 | 497,000 | 672,000 |
| Provision for loan losses | 2,000 | 4,000 | 9,000 | 16,000 |
| Pretax income | 89,000 | 187,000 | 278,000 | 374,000 |
| Income tax | 2,000 | 4,000 | 7,000 | 9,000 |
| Net income | 87,000 | 183,000 | 271,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,485,000 | 1,480,000 | 1,499,000 | 1,592,000 |
| Total capital | 1,651,000 | 1,651,000 | 1,671,000 | 1,770,000 |
| Risk-weighted assets | 13,234,000 | 13,670,000 | 13,760,000 | 14,173,000 |