Call reports 2002
HIGHLANDS COMMUNITY BANK — 2002
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q3 | 2002Q4 |
|---|---|---|
| Total assets | 10,315,000 | 21,085,000 |
| Total loans | 307,000 | 5,136,000 |
| Allowance for loan losses | 0 | 80,000 |
| Securities available for sale | 0 | 2,010,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 3,245,000 | 14,176,000 |
| Interest-bearing deposits | 2,763,000 | 12,308,000 |
| Noninterest-bearing deposits | 482,000 | 1,868,000 |
| Equity capital | 7,066,000 | 6,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q3 | 2002Q4 |
|---|---|---|
| Interest income | 69,000 | 208,000 |
| Interest expense | 2,000 | 67,000 |
| Net interest income | 67,000 | 141,000 |
| Noninterest income | 0 | 6,000 |
| Noninterest expense | 330,000 | 565,000 |
| Provision for loan losses | 0 | 80,000 |
| Pretax income | -263,000 | -498,000 |
| Income tax | 1,000 | 0 |
| Net income | -264,000 | -498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q3 | 2002Q4 |
|---|---|---|
| Tier 1 capital | 7,066,000 | 6,856,000 |
| Total capital | 7,066,000 | 6,936,000 |
| Risk-weighted assets | 2,311,000 | 7,621,000 |