Call reports 2009
HIGHLAND STATE BANK — 2009
What HIGHLAND STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 26,935,000 | 27,319,000 | 26,664,000 | 27,863,000 |
| Total loans | 22,007,000 | 22,188,000 | 21,850,000 | 21,887,000 |
| Allowance for loan losses | 180,000 | 195,000 | 208,000 | 223,000 |
| Securities available for sale | 804,000 | 403,000 | 1,208,000 | 898,000 |
| Securities held to maturity | 215,000 | 255,000 | 255,000 | 255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,940,000 | 24,300,000 | 23,608,000 | 24,750,000 |
| Interest-bearing deposits | 20,154,000 | 20,369,000 | 20,149,000 | 20,355,000 |
| Noninterest-bearing deposits | 3,786,000 | 3,931,000 | 3,459,000 | 4,395,000 |
| Equity capital | 2,269,000 | 2,278,000 | 2,314,000 | 2,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 359,000 | 717,000 | 1,073,000 | 1,429,000 |
| Interest expense | 111,000 | 215,000 | 313,000 | 406,000 |
| Net interest income | 248,000 | 502,000 | 760,000 | 1,023,000 |
| Noninterest income | 38,000 | 73,000 | 114,000 | 154,000 |
| Noninterest expense | 197,000 | 397,000 | 603,000 | 805,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 74,000 | 148,000 | 226,000 | 312,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 1,000 |
| Net income | 73,000 | 147,000 | 224,000 | 311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,265,000 | 2,275,000 | 2,306,000 | 2,394,000 |
| Total capital | 2,445,000 | 2,470,000 | 2,514,000 | 2,617,000 |
| Risk-weighted assets | 17,358,000 | 17,890,000 | 17,934,000 | 18,175,000 |