Call reports 2016
HIGHLAND STATE BANK — 2016
What HIGHLAND STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 33,597,000 | 32,738,000 | 32,474,000 | 33,917,000 |
| Total loans | 18,129,000 | 19,010,000 | 18,699,000 | 18,027,000 |
| Allowance for loan losses | 269,000 | 284,000 | 299,000 | 314,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,776,000 | 2,951,000 | 2,865,000 | 3,365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,946,000 | 29,065,000 | 28,757,000 | 30,132,000 |
| Interest-bearing deposits | 22,019,000 | 20,996,000 | 21,118,000 | 21,632,000 |
| Noninterest-bearing deposits | 7,927,000 | 8,069,000 | 7,639,000 | 8,500,000 |
| Equity capital | 3,050,000 | 3,051,000 | 3,078,000 | 3,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 265,000 | 540,000 | 817,000 | 1,096,000 |
| Interest expense | 23,000 | 46,000 | 69,000 | 91,000 |
| Net interest income | 242,000 | 494,000 | 748,000 | 1,005,000 |
| Noninterest income | 31,000 | 63,000 | 104,000 | 141,000 |
| Noninterest expense | 200,000 | 417,000 | 636,000 | 834,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 58,000 | 110,000 | 171,000 | 252,000 |
| Income tax | 0 | 1,000 | 2,000 | 2,000 |
| Net income | 58,000 | 109,000 | 169,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,050,000 | 3,051,000 | 3,078,000 | 3,159,000 |
| Total capital | 3,270,000 | 3,258,000 | 3,286,000 | 3,362,000 |
| Risk-weighted assets | 17,569,000 | 16,479,000 | 16,537,000 | 16,106,000 |