Call reports 2010
HIGHLAND STATE BANK — 2010
What HIGHLAND STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 26,861,000 | 26,850,000 | 26,805,000 | 28,210,000 |
| Total loans | 21,666,000 | 21,889,000 | 21,673,000 | 21,565,000 |
| Allowance for loan losses | 238,000 | 247,000 | 230,000 | 270,000 |
| Securities available for sale | 805,000 | 705,000 | 705,000 | 693,000 |
| Securities held to maturity | 100,000 | 300,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,747,000 | 23,690,000 | 23,614,000 | 25,021,000 |
| Interest-bearing deposits | 19,918,000 | 19,983,000 | 19,855,000 | 20,010,000 |
| Noninterest-bearing deposits | 3,829,000 | 3,707,000 | 3,759,000 | 5,011,000 |
| Equity capital | 2,418,000 | 2,452,000 | 2,473,000 | 2,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 341,000 | 683,000 | 1,018,000 | 1,343,000 |
| Interest expense | 84,000 | 157,000 | 228,000 | 293,000 |
| Net interest income | 257,000 | 526,000 | 790,000 | 1,050,000 |
| Noninterest income | 37,000 | 79,000 | 117,000 | 123,000 |
| Noninterest expense | 219,000 | 411,000 | 623,000 | 817,000 |
| Provision for loan losses | 15,000 | 30,000 | 55,000 | 95,000 |
| Pretax income | 60,000 | 164,000 | 229,000 | 261,000 |
| Income tax | 0 | 1,000 | 1,000 | 0 |
| Net income | 60,000 | 163,000 | 228,000 | 261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,413,000 | 2,447,000 | 2,468,000 | 2,501,000 |
| Total capital | 2,640,000 | 2,678,000 | 2,698,000 | 2,729,000 |
| Risk-weighted assets | 18,124,000 | 18,461,000 | 18,372,000 | 18,199,000 |