Call reports 2015
HIGHLAND STATE BANK — 2015
What HIGHLAND STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 32,096,000 | 31,911,000 | 30,971,000 | 32,409,000 |
| Total loans | 19,143,000 | 18,989,000 | 18,547,000 | 18,286,000 |
| Allowance for loan losses | 230,000 | 245,000 | 254,000 | 257,000 |
| Securities available for sale | 299,000 | 99,000 | 100,000 | 100,000 |
| Securities held to maturity | 2,746,000 | 2,446,000 | 2,646,000 | 2,446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,537,000 | 28,364,000 | 27,366,000 | 28,766,000 |
| Interest-bearing deposits | 21,453,000 | 20,807,000 | 20,637,000 | 20,342,000 |
| Noninterest-bearing deposits | 7,084,000 | 7,557,000 | 6,729,000 | 8,424,000 |
| Equity capital | 2,951,000 | 2,921,000 | 2,964,000 | 3,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 261,000 | 526,000 | 793,000 | 1,058,000 |
| Interest expense | 23,000 | 45,000 | 68,000 | 90,000 |
| Net interest income | 238,000 | 481,000 | 725,000 | 968,000 |
| Noninterest income | 33,000 | 73,000 | 111,000 | 147,000 |
| Noninterest expense | 205,000 | 418,000 | 613,000 | 825,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 56,000 | 111,000 | 183,000 | 235,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 56,000 | 110,000 | 182,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,952,000 | 2,922,000 | 2,964,000 | 3,017,000 |
| Total capital | 3,170,000 | 3,139,000 | 3,183,000 | 3,234,000 |
| Risk-weighted assets | 17,481,000 | 17,324,000 | 17,492,000 | 17,251,000 |