Call reports 2013
HIGHLAND STATE BANK — 2013
What HIGHLAND STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 29,619,000 | 28,672,000 | 30,043,000 | 30,542,000 |
| Total loans | 20,205,000 | 20,510,000 | 20,370,000 | 19,731,000 |
| Allowance for loan losses | 263,000 | 279,000 | 294,000 | 259,000 |
| Securities available for sale | 900,000 | 878,000 | 778,000 | 771,000 |
| Securities held to maturity | 480,000 | 1,215,000 | 1,315,000 | 1,415,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,282,000 | 25,327,000 | 26,658,000 | 27,140,000 |
| Interest-bearing deposits | 20,825,000 | 20,269,000 | 20,384,000 | 20,331,000 |
| Noninterest-bearing deposits | 5,457,000 | 5,058,000 | 6,274,000 | 6,809,000 |
| Equity capital | 2,702,000 | 2,692,000 | 2,717,000 | 2,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 260,000 | 527,000 | 792,000 | 1,058,000 |
| Interest expense | 33,000 | 65,000 | 94,000 | 124,000 |
| Net interest income | 227,000 | 462,000 | 698,000 | 934,000 |
| Noninterest income | 34,000 | 74,000 | 115,000 | 150,000 |
| Noninterest expense | 196,000 | 411,000 | 615,000 | 837,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 50,000 | 95,000 | 153,000 | 187,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 50,000 | 95,000 | 153,000 | 187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,702,000 | 2,714,000 | 2,739,000 | 2,774,000 |
| Total capital | 2,919,000 | 2,942,000 | 2,963,000 | 2,989,000 |
| Risk-weighted assets | 17,348,000 | 18,172,000 | 17,717,000 | 17,160,000 |