Call reports 2004
HIGHLAND STATE BANK — 2004
What HIGHLAND STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 23,276,000 | 23,483,000 | 23,278,000 | 24,566,000 |
| Total loans | 18,249,000 | 18,500,000 | 18,601,000 | 18,103,000 |
| Allowance for loan losses | 237,000 | 235,000 | 240,000 | 244,000 |
| Securities available for sale | 1,007,000 | 892,000 | 897,000 | 892,000 |
| Securities held to maturity | 0 | 555,000 | 655,000 | 655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,143,000 | 21,340,000 | 21,052,000 | 22,344,000 |
| Interest-bearing deposits | 18,439,000 | 18,381,000 | 18,172,000 | 18,330,000 |
| Noninterest-bearing deposits | 2,704,000 | 2,959,000 | 2,880,000 | 4,014,000 |
| Equity capital | 1,716,000 | 1,706,000 | 1,750,000 | 1,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 329,000 | 653,000 | 988,000 | 1,325,000 |
| Interest expense | 85,000 | 162,000 | 240,000 | 323,000 |
| Net interest income | 244,000 | 491,000 | 748,000 | 1,002,000 |
| Noninterest income | 41,000 | 85,000 | 125,000 | 158,000 |
| Noninterest expense | 178,000 | 370,000 | 553,000 | 745,000 |
| Provision for loan losses | 3,000 | 6,000 | 10,000 | 13,000 |
| Pretax income | 104,000 | 200,000 | 310,000 | 402,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 2,000 |
| Net income | 103,000 | 198,000 | 307,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,710,000 | 1,715,000 | 1,754,000 | 1,764,000 |
| Total capital | 1,890,000 | 1,897,000 | 1,934,000 | 1,942,000 |
| Risk-weighted assets | 14,322,000 | 14,537,000 | 14,367,000 | 14,191,000 |