Call reports 2005
HIGHLAND STATE BANK — 2005
What HIGHLAND STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 24,079,000 | 27,269,000 | 30,781,000 | 27,867,000 |
| Total loans | 17,761,000 | 17,890,000 | 18,661,000 | 19,053,000 |
| Allowance for loan losses | 179,000 | 187,000 | 199,000 | 203,000 |
| Securities available for sale | 1,085,000 | 1,584,000 | 1,696,000 | 2,274,000 |
| Securities held to maturity | 655,000 | 2,635,000 | 2,645,000 | 1,552,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,806,000 | 24,971,000 | 28,370,000 | 25,480,000 |
| Interest-bearing deposits | 18,396,000 | 22,014,000 | 24,871,000 | 21,847,000 |
| Noninterest-bearing deposits | 3,410,000 | 2,957,000 | 3,499,000 | 3,633,000 |
| Equity capital | 1,798,000 | 1,776,000 | 1,815,000 | 1,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 328,000 | 668,000 | 1,062,000 | 1,445,000 |
| Interest expense | 85,000 | 185,000 | 336,000 | 474,000 |
| Net interest income | 243,000 | 483,000 | 726,000 | 971,000 |
| Noninterest income | 44,000 | 78,000 | 125,000 | 164,000 |
| Noninterest expense | 179,000 | 368,000 | 551,000 | 746,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 22,000 |
| Pretax income | 102,000 | 181,000 | 282,000 | 367,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 4,000 |
| Net income | 101,000 | 180,000 | 280,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,813,000 | 1,785,000 | 1,826,000 | 1,822,000 |
| Total capital | 1,987,000 | 1,969,000 | 2,025,000 | 2,019,000 |
| Risk-weighted assets | 13,947,000 | 14,754,000 | 16,032,000 | 15,778,000 |