Call reports 2010
HIGHLANDS COMMUNITY BANK — 2010
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 94,290,000 | 96,591,000 | 101,788,000 | 103,609,000 |
| Total loans | 52,165,000 | 55,070,000 | 56,851,000 | 55,965,000 |
| Allowance for loan losses | 648,000 | 687,000 | 785,000 | 601,000 |
| Securities available for sale | 32,923,000 | 35,235,000 | 36,377,000 | 38,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,110,000 | 86,025,000 | 89,978,000 | 93,252,000 |
| Interest-bearing deposits | 76,706,000 | 79,121,000 | 82,978,000 | 86,391,000 |
| Noninterest-bearing deposits | 7,404,000 | 6,904,000 | 7,000,000 | 6,861,000 |
| Equity capital | 9,556,000 | 10,017,000 | 10,890,000 | 10,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,204,000 | 2,481,000 | 3,808,000 | 5,147,000 |
| Interest expense | 553,000 | 1,112,000 | 1,680,000 | 2,254,000 |
| Net interest income | 651,000 | 1,369,000 | 2,128,000 | 2,893,000 |
| Noninterest income | 110,000 | 227,000 | 338,000 | 432,000 |
| Noninterest expense | 525,000 | 1,113,000 | 1,678,000 | 2,262,000 |
| Provision for loan losses | 70,000 | 125,000 | 240,000 | 380,000 |
| Pretax income | 190,000 | 401,000 | 663,000 | 866,000 |
| Income tax | 13,000 | 28,000 | 68,000 | 85,000 |
| Net income | 177,000 | 373,000 | 595,000 | 781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,133,000 | 9,329,000 | 9,551,000 | 9,749,000 |
| Total capital | 9,781,000 | 10,016,000 | 10,336,000 | 10,350,000 |
| Risk-weighted assets | 61,031,000 | 61,987,000 | 63,616,000 | 63,890,000 |