Call reports 2006
HIGHLAND STATE BANK — 2006
What HIGHLAND STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 27,241,000 | 27,105,000 | 24,798,000 | 25,208,000 |
| Total loans | 19,037,000 | 19,087,000 | 19,852,000 | 20,096,000 |
| Allowance for loan losses | 209,000 | 215,000 | 221,000 | 205,000 |
| Securities available for sale | 2,586,000 | 994,000 | 903,000 | 904,000 |
| Securities held to maturity | 1,755,000 | 500,000 | 560,000 | 260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,789,000 | 24,635,000 | 22,211,000 | 22,613,000 |
| Interest-bearing deposits | 21,658,000 | 21,232,000 | 19,087,000 | 18,423,000 |
| Noninterest-bearing deposits | 3,131,000 | 3,403,000 | 3,124,000 | 4,190,000 |
| Equity capital | 1,833,000 | 1,843,000 | 1,897,000 | 1,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 387,000 | 781,000 | 1,180,000 | 1,576,000 |
| Interest expense | 146,000 | 302,000 | 458,000 | 606,000 |
| Net interest income | 241,000 | 479,000 | 722,000 | 970,000 |
| Noninterest income | 41,000 | 84,000 | 127,000 | 169,000 |
| Noninterest expense | 195,000 | 372,000 | 553,000 | 737,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 30,000 |
| Pretax income | 81,000 | 179,000 | 278,000 | 372,000 |
| Income tax | 2,000 | 4,000 | 7,000 | 7,000 |
| Net income | 79,000 | 175,000 | 271,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,848,000 | 1,857,000 | 1,904,000 | 1,928,000 |
| Total capital | 2,043,000 | 2,053,000 | 2,097,000 | 2,124,000 |
| Risk-weighted assets | 15,601,000 | 15,650,000 | 15,443,000 | 15,669,000 |