Call reports 2014
HIGHLAND STATE BANK — 2014
What HIGHLAND STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 30,345,000 | 29,813,000 | 30,824,000 | 31,776,000 |
| Total loans | 19,968,000 | 19,904,000 | 19,925,000 | 19,446,000 |
| Allowance for loan losses | 273,000 | 231,000 | 246,000 | 220,000 |
| Securities available for sale | 787,000 | 794,000 | 694,000 | 397,000 |
| Securities held to maturity | 2,536,000 | 1,936,000 | 2,136,000 | 2,136,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,924,000 | 26,360,000 | 27,312,000 | 28,217,000 |
| Interest-bearing deposits | 20,406,000 | 20,624,000 | 20,962,000 | 20,945,000 |
| Noninterest-bearing deposits | 6,518,000 | 5,736,000 | 6,350,000 | 7,272,000 |
| Equity capital | 2,795,000 | 2,807,000 | 2,852,000 | 2,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 255,000 | 521,000 | 792,000 | 1,065,000 |
| Interest expense | 28,000 | 53,000 | 77,000 | 100,000 |
| Net interest income | 227,000 | 468,000 | 715,000 | 965,000 |
| Noninterest income | 33,000 | 71,000 | 111,000 | 142,000 |
| Noninterest expense | 195,000 | 414,000 | 611,000 | 820,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 58,000 |
| Pretax income | 50,000 | 95,000 | 170,000 | 229,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 50,000 | 94,000 | 169,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,808,000 | 2,813,000 | 2,858,000 | 2,917,000 |
| Total capital | 3,029,000 | 3,033,000 | 3,081,000 | 3,137,000 |
| Risk-weighted assets | 17,621,000 | 17,620,000 | 17,815,000 | 17,590,000 |