Call reports 2007
HIGHLAND STATE BANK — 2007
What HIGHLAND STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 24,455,000 | 25,044,000 | 25,056,000 | 26,806,000 |
| Total loans | 20,413,000 | 20,758,000 | 20,644,000 | 20,561,000 |
| Allowance for loan losses | 201,000 | 208,000 | 158,000 | 176,000 |
| Securities available for sale | 906,000 | 806,000 | 610,000 | 1,312,000 |
| Securities held to maturity | 160,000 | 160,000 | 160,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,811,000 | 22,370,000 | 22,299,000 | 23,975,000 |
| Interest-bearing deposits | 18,382,000 | 18,520,000 | 18,690,000 | 19,516,000 |
| Noninterest-bearing deposits | 3,429,000 | 3,850,000 | 3,609,000 | 4,459,000 |
| Equity capital | 1,948,000 | 1,936,000 | 1,965,000 | 2,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 390,000 | 785,000 | 1,196,000 | 1,620,000 |
| Interest expense | 145,000 | 299,000 | 459,000 | 627,000 |
| Net interest income | 245,000 | 486,000 | 737,000 | 993,000 |
| Noninterest income | 38,000 | 73,000 | 120,000 | 160,000 |
| Noninterest expense | 203,000 | 400,000 | 611,000 | 797,000 |
| Provision for loan losses | 6,000 | 12,000 | 22,000 | 40,000 |
| Pretax income | 74,000 | 147,000 | 224,000 | 316,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 3,000 |
| Net income | 73,000 | 146,000 | 222,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,951,000 | 1,939,000 | 1,965,000 | 2,056,000 |
| Total capital | 2,150,000 | 2,143,000 | 2,123,000 | 2,232,000 |
| Risk-weighted assets | 15,883,000 | 16,343,000 | 16,257,000 | 16,374,000 |