Call reports 2003
HIGHLAND STATE BANK — 2003
What HIGHLAND STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 22,712,000 | 23,078,000 | 23,204,000 | 23,466,000 |
| Total loans | 17,757,000 | 17,993,000 | 18,702,000 | 18,144,000 |
| Allowance for loan losses | 221,000 | 224,000 | 229,000 | 233,000 |
| Securities available for sale | 307,000 | 205,000 | 804,000 | 1,204,000 |
| Securities held to maturity | 835,000 | 535,000 | 135,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,688,000 | 21,085,000 | 21,157,000 | 21,392,000 |
| Interest-bearing deposits | 18,204,000 | 18,471,000 | 17,927,000 | 18,241,000 |
| Noninterest-bearing deposits | 2,484,000 | 2,614,000 | 3,230,000 | 3,151,000 |
| Equity capital | 1,641,000 | 1,596,000 | 1,615,000 | 1,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 351,000 | 693,000 | 1,035,000 | 1,373,000 |
| Interest expense | 109,000 | 215,000 | 313,000 | 403,000 |
| Net interest income | 242,000 | 478,000 | 722,000 | 970,000 |
| Noninterest income | 41,000 | 84,000 | 132,000 | 171,000 |
| Noninterest expense | 173,000 | 357,000 | 534,000 | 716,000 |
| Provision for loan losses | 6,000 | 9,000 | 16,000 | 20,000 |
| Pretax income | 104,000 | 196,000 | 304,000 | 405,000 |
| Income tax | 0 | 1,000 | 2,000 | 2,000 |
| Net income | 104,000 | 195,000 | 302,000 | 403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,636,000 | 1,592,000 | 1,612,000 | 1,663,000 |
| Total capital | 1,813,000 | 1,771,000 | 1,795,000 | 1,843,000 |
| Risk-weighted assets | 14,111,000 | 14,263,000 | 14,580,000 | 14,357,000 |