Call reports 2006
HIGHLANDS COMMUNITY BANK — 2006
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 54,503,000 | 57,415,000 | 57,962,000 | 59,959,000 |
| Total loans | 30,696,000 | 32,158,000 | 33,049,000 | 33,982,000 |
| Allowance for loan losses | 353,000 | 360,000 | 382,000 | 358,000 |
| Securities available for sale | 16,094,000 | 18,241,000 | 18,427,000 | 19,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,106,000 | 50,039,000 | 50,272,000 | 52,128,000 |
| Interest-bearing deposits | 42,459,000 | 43,988,000 | 44,761,000 | 46,460,000 |
| Noninterest-bearing deposits | 4,647,000 | 6,051,000 | 5,511,000 | 5,668,000 |
| Equity capital | 7,182,000 | 7,173,000 | 7,429,000 | 7,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 789,000 | 1,627,000 | 2,530,000 | 3,457,000 |
| Interest expense | 324,000 | 686,000 | 1,081,000 | 1,500,000 |
| Net interest income | 465,000 | 941,000 | 1,449,000 | 1,957,000 |
| Noninterest income | 75,000 | 141,000 | 214,000 | 286,000 |
| Noninterest expense | 405,000 | 810,000 | 1,232,000 | 1,659,000 |
| Provision for loan losses | 23,000 | 40,000 | 53,000 | 82,000 |
| Pretax income | 112,000 | 232,000 | 378,000 | 504,000 |
| Income tax | 38,000 | 79,000 | 118,000 | 143,000 |
| Net income | 74,000 | 153,000 | 260,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,422,000 | 6,844,000 | 7,608,000 | 7,717,000 |
| Total capital | 7,775,000 | 7,204,000 | 7,990,000 | 8,075,000 |
| Risk-weighted assets | 31,390,000 | 33,330,000 | 35,467,000 | 35,705,000 |