Call reports 2003
HIGHLANDS COMMUNITY BANK — 2003
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 27,744,000 | 30,624,000 | 34,716,000 | 36,978,000 |
| Total loans | 8,964,000 | 12,477,000 | 16,198,000 | 19,899,000 |
| Allowance for loan losses | 123,000 | 160,000 | 189,000 | 221,000 |
| Securities available for sale | 5,604,000 | 6,666,000 | 8,388,000 | 8,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,931,000 | 23,799,000 | 28,020,000 | 30,301,000 |
| Interest-bearing deposits | 18,512,000 | 20,553,000 | 24,439,000 | 26,026,000 |
| Noninterest-bearing deposits | 2,419,000 | 3,246,000 | 3,581,000 | 4,275,000 |
| Equity capital | 6,757,000 | 6,754,000 | 6,623,000 | 6,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 217,000 | 519,000 | 878,000 | 1,309,000 |
| Interest expense | 105,000 | 230,000 | 370,000 | 523,000 |
| Net interest income | 112,000 | 289,000 | 508,000 | 786,000 |
| Noninterest income | 13,000 | 51,000 | 88,000 | 119,000 |
| Noninterest expense | 194,000 | 422,000 | 656,000 | 972,000 |
| Provision for loan losses | 45,000 | 84,000 | 116,000 | 151,000 |
| Pretax income | -114,000 | -165,000 | -175,000 | -217,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -114,000 | -165,000 | -175,000 | -217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,743,000 | 6,691,000 | 6,681,000 | 6,639,000 |
| Total capital | 6,866,000 | 6,851,000 | 6,870,000 | 6,860,000 |
| Risk-weighted assets | 11,090,000 | 13,583,000 | 16,964,000 | 20,167,000 |