Call reports 2004
HIGHLANDS COMMUNITY BANK — 2004
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 38,009,000 | 40,902,000 | 43,100,000 | 44,358,000 |
| Total loans | 22,458,000 | 24,404,000 | 25,654,000 | 26,231,000 |
| Allowance for loan losses | 258,000 | 290,000 | 302,000 | 304,000 |
| Securities available for sale | 8,420,000 | 8,452,000 | 9,555,000 | 9,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,111,000 | 34,181,000 | 36,074,000 | 37,350,000 |
| Interest-bearing deposits | 27,726,000 | 29,905,000 | 32,072,000 | 32,962,000 |
| Noninterest-bearing deposits | 3,385,000 | 4,277,000 | 4,002,000 | 4,387,000 |
| Equity capital | 6,812,000 | 6,623,000 | 6,924,000 | 6,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 462,000 | 967,000 | 1,523,000 | 2,113,000 |
| Interest expense | 153,000 | 321,000 | 501,000 | 691,000 |
| Net interest income | 309,000 | 646,000 | 1,022,000 | 1,422,000 |
| Noninterest income | 48,000 | 106,000 | 229,000 | 271,000 |
| Noninterest expense | 275,000 | 555,000 | 845,000 | 1,197,000 |
| Provision for loan losses | 36,000 | 70,000 | 102,000 | 151,000 |
| Pretax income | 46,000 | 127,000 | 304,000 | 345,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 46,000 | 127,000 | 304,000 | 345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,685,000 | 6,766,000 | 6,943,000 | 6,985,000 |
| Total capital | 6,943,000 | 7,056,000 | 7,245,000 | 7,289,000 |
| Risk-weighted assets | 22,202,000 | 23,874,000 | 24,831,000 | 25,392,000 |