Call reports 2009
HIGHLANDS COMMUNITY BANK — 2009
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 83,882,000 | 85,023,000 | 88,487,000 | 90,599,000 |
| Total loans | 45,792,000 | 48,062,000 | 50,142,000 | 51,935,000 |
| Allowance for loan losses | 505,000 | 550,000 | 557,000 | 574,000 |
| Securities available for sale | 31,245,000 | 30,162,000 | 31,731,000 | 31,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,150,000 | 76,094,000 | 78,481,000 | 80,916,000 |
| Interest-bearing deposits | 67,757,000 | 69,544,000 | 71,853,000 | 74,521,000 |
| Noninterest-bearing deposits | 7,393,000 | 6,551,000 | 6,628,000 | 6,395,000 |
| Equity capital | 8,426,000 | 8,676,000 | 9,433,000 | 9,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,135,000 | 2,314,000 | 3,505,000 | 4,735,000 |
| Interest expense | 566,000 | 1,124,000 | 1,690,000 | 2,261,000 |
| Net interest income | 569,000 | 1,190,000 | 1,815,000 | 2,474,000 |
| Noninterest income | 101,000 | 200,000 | 312,000 | 414,000 |
| Noninterest expense | 473,000 | 989,000 | 1,540,000 | 2,111,000 |
| Provision for loan losses | 42,000 | 102,000 | 135,000 | 225,000 |
| Pretax income | 150,000 | 322,000 | 479,000 | 596,000 |
| Income tax | -5,000 | 3,000 | 4,000 | -7,000 |
| Net income | 155,000 | 319,000 | 475,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,603,000 | 8,767,000 | 8,923,000 | 9,060,000 |
| Total capital | 9,108,000 | 9,317,000 | 9,480,000 | 9,634,000 |
| Risk-weighted assets | 54,133,000 | 60,535,000 | 61,242,000 | 59,315,000 |