Call reports 2012
HIGHLAND STATE BANK — 2012
What HIGHLAND STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 27,599,000 | 28,256,000 | 27,517,000 | 30,135,000 |
| Total loans | 20,417,000 | 20,249,000 | 20,093,000 | 19,509,000 |
| Allowance for loan losses | 336,000 | 308,000 | 323,000 | 273,000 |
| Securities available for sale | 801,000 | 501,000 | 802,000 | 1,002,000 |
| Securities held to maturity | 425,000 | 225,000 | 225,000 | 225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,326,000 | 24,974,000 | 24,202,000 | 26,796,000 |
| Interest-bearing deposits | 19,999,000 | 19,818,000 | 19,856,000 | 20,465,000 |
| Noninterest-bearing deposits | 4,327,000 | 5,156,000 | 4,346,000 | 6,331,000 |
| Equity capital | 2,626,000 | 2,617,000 | 2,638,000 | 2,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 281,000 | 556,000 | 825,000 | 1,092,000 |
| Interest expense | 46,000 | 90,000 | 129,000 | 166,000 |
| Net interest income | 235,000 | 466,000 | 696,000 | 926,000 |
| Noninterest income | 31,000 | 67,000 | 105,000 | 139,000 |
| Noninterest expense | 194,000 | 404,000 | 606,000 | 818,000 |
| Provision for loan losses | 13,000 | 28,000 | 43,000 | 54,000 |
| Pretax income | 59,000 | 101,000 | 152,000 | 193,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 59,000 | 101,000 | 152,000 | 193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,625,000 | 2,616,000 | 2,636,000 | 2,677,000 |
| Total capital | 2,842,000 | 2,832,000 | 2,850,000 | 2,887,000 |
| Risk-weighted assets | 17,226,000 | 17,221,000 | 17,013,000 | 16,804,000 |