Call reports 2008
HIGHLAND STATE BANK — 2008
What HIGHLAND STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 25,875,000 | 26,019,000 | 26,267,000 | 27,513,000 |
| Total loans | 20,796,000 | 21,687,000 | 21,990,000 | 22,078,000 |
| Allowance for loan losses | 188,000 | 124,000 | 141,000 | 165,000 |
| Securities available for sale | 1,316,000 | 1,298,000 | 1,198,000 | 806,000 |
| Securities held to maturity | 60,000 | 60,000 | 60,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,015,000 | 23,149,000 | 23,356,000 | 24,520,000 |
| Interest-bearing deposits | 19,551,000 | 19,615,000 | 19,653,000 | 20,168,000 |
| Noninterest-bearing deposits | 3,464,000 | 3,534,000 | 3,703,000 | 4,352,000 |
| Equity capital | 2,102,000 | 2,107,000 | 2,142,000 | 2,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 401,000 | 786,000 | 1,172,000 | 1,558,000 |
| Interest expense | 152,000 | 286,000 | 419,000 | 545,000 |
| Net interest income | 249,000 | 500,000 | 753,000 | 1,013,000 |
| Noninterest income | 37,000 | 78,000 | 124,000 | 165,000 |
| Noninterest expense | 198,000 | 378,000 | 577,000 | 760,000 |
| Provision for loan losses | 12,000 | 24,000 | 41,000 | 65,000 |
| Pretax income | 76,000 | 176,000 | 259,000 | 353,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 3,000 |
| Net income | 75,000 | 175,000 | 257,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,086,000 | 2,109,000 | 2,144,000 | 2,237,000 |
| Total capital | 2,274,000 | 2,233,000 | 2,285,000 | 2,402,000 |
| Risk-weighted assets | 16,455,000 | 17,114,000 | 17,222,000 | 17,527,000 |