Call reports 2025
HIGHLAND STATE BANK — 2025
What HIGHLAND STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 42,428,000 | 43,166,000 | 43,898,000 | 48,221,000 |
| Total loans | 18,305,000 | 19,002,000 | 18,288,000 | 18,747,000 |
| Allowance for loan losses | 377,000 | 377,000 | 377,000 | 377,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,603,000 | 12,351,000 | 12,500,000 | 13,083,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,714,000 | 37,394,000 | 38,022,000 | 42,236,000 |
| Interest-bearing deposits | 27,110,000 | 27,340,000 | 27,303,000 | 30,990,000 |
| Noninterest-bearing deposits | 9,604,000 | 10,054,000 | 10,719,000 | 11,246,000 |
| Equity capital | 5,058,000 | 5,106,000 | 5,175,000 | 5,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 429,000 | 886,000 | 1,358,000 | 1,859,000 |
| Interest expense | 98,000 | 200,000 | 308,000 | 417,000 |
| Net interest income | 331,000 | 686,000 | 1,050,000 | 1,442,000 |
| Noninterest income | 50,000 | 87,000 | 124,000 | 165,000 |
| Noninterest expense | 257,000 | 526,000 | 804,000 | 1,122,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 141,000 | 264,000 | 387,000 | 502,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 18,000 |
| Net income | 137,000 | 256,000 | 375,000 | 484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,058,000 | 5,106,000 | 5,175,000 | 5,284,000 |