Call reports 2005
HIGHLANDS COMMUNITY BANK — 2005
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 46,791,000 | 48,007,000 | 49,803,000 | 51,660,000 |
| Total loans | 26,923,000 | 27,231,000 | 28,397,000 | 30,256,000 |
| Allowance for loan losses | 313,000 | 335,000 | 326,000 | 333,000 |
| Securities available for sale | 11,150,000 | 11,974,000 | 13,282,000 | 13,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,695,000 | 40,752,000 | 42,512,000 | 44,356,000 |
| Interest-bearing deposits | 34,995,000 | 36,075,000 | 37,524,000 | 39,214,000 |
| Noninterest-bearing deposits | 4,700,000 | 4,677,000 | 4,988,000 | 5,142,000 |
| Equity capital | 6,954,000 | 7,101,000 | 7,125,000 | 7,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 601,000 | 1,253,000 | 1,943,000 | 2,673,000 |
| Interest expense | 204,000 | 437,000 | 689,000 | 976,000 |
| Net interest income | 397,000 | 816,000 | 1,254,000 | 1,697,000 |
| Noninterest income | 64,000 | 137,000 | 208,000 | 268,000 |
| Noninterest expense | 355,000 | 729,000 | 1,121,000 | 1,519,000 |
| Provision for loan losses | 30,000 | 55,000 | 73,000 | 88,000 |
| Pretax income | 76,000 | 169,000 | 268,000 | 358,000 |
| Income tax | -85,000 | -53,000 | -19,000 | 1,000 |
| Net income | 161,000 | 222,000 | 287,000 | 357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,145,000 | 7,206,000 | 7,271,000 | 7,340,000 |
| Total capital | 7,458,000 | 7,541,000 | 7,597,000 | 7,673,000 |
| Risk-weighted assets | 26,663,000 | 27,004,000 | 27,932,000 | 29,916,000 |