Call reports 2007
HIGHLANDS COMMUNITY BANK — 2007
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 62,505,000 | 63,915,000 | 66,058,000 | 70,242,000 |
| Total loans | 34,986,000 | 36,326,000 | 36,743,000 | 36,310,000 |
| Allowance for loan losses | 354,000 | 366,000 | 367,000 | 380,000 |
| Securities available for sale | 20,143,000 | 21,495,000 | 22,530,000 | 23,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,501,000 | 55,937,000 | 57,699,000 | 61,694,000 |
| Interest-bearing deposits | 48,997,000 | 50,109,000 | 51,811,000 | 55,666,000 |
| Noninterest-bearing deposits | 5,504,000 | 5,828,000 | 5,888,000 | 6,028,000 |
| Equity capital | 7,704,000 | 7,712,000 | 8,014,000 | 8,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 952,000 | 1,957,000 | 3,001,000 | 4,065,000 |
| Interest expense | 452,000 | 936,000 | 1,443,000 | 1,986,000 |
| Net interest income | 500,000 | 1,021,000 | 1,558,000 | 2,079,000 |
| Noninterest income | 89,000 | 174,000 | 262,000 | 354,000 |
| Noninterest expense | 418,000 | 843,000 | 1,299,000 | 1,758,000 |
| Provision for loan losses | 24,000 | 46,000 | 61,000 | 72,000 |
| Pretax income | 147,000 | 306,000 | 460,000 | 606,000 |
| Income tax | 37,000 | 75,000 | 107,000 | 133,000 |
| Net income | 110,000 | 231,000 | 353,000 | 473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,827,000 | 7,957,000 | 8,079,000 | 8,207,000 |
| Total capital | 8,181,000 | 8,323,000 | 8,446,000 | 8,587,000 |
| Risk-weighted assets | 37,503,000 | 39,209,000 | 37,794,000 | 40,608,000 |