Call reports 2011
HIGHLANDS COMMUNITY BANK — 2011
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 107,158,000 | 110,731,000 | 112,665,000 | 114,330,000 |
| Total loans | 56,578,000 | 57,371,000 | 57,629,000 | 57,866,000 |
| Allowance for loan losses | 722,000 | 762,000 | 1,165,000 | 1,178,000 |
| Securities available for sale | 42,833,000 | 45,196,000 | 43,968,000 | 44,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,493,000 | 99,083,000 | 99,871,000 | 101,153,000 |
| Interest-bearing deposits | 89,221,000 | 90,629,000 | 91,497,000 | 92,909,000 |
| Noninterest-bearing deposits | 7,272,000 | 8,454,000 | 8,375,000 | 8,244,000 |
| Equity capital | 10,141,000 | 11,019,000 | 11,824,000 | 12,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,343,000 | 2,730,000 | 4,137,000 | 5,523,000 |
| Interest expense | 535,000 | 1,060,000 | 1,559,000 | 2,041,000 |
| Net interest income | 808,000 | 1,670,000 | 2,578,000 | 3,482,000 |
| Noninterest income | 96,000 | 197,000 | 311,000 | 417,000 |
| Noninterest expense | 576,000 | 1,168,000 | 1,790,000 | 2,415,000 |
| Provision for loan losses | 138,000 | 284,000 | 814,000 | 834,000 |
| Pretax income | 243,000 | 506,000 | 435,000 | 938,000 |
| Income tax | 29,000 | 59,000 | -26,000 | 2,000 |
| Net income | 214,000 | 447,000 | 461,000 | 936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,852,000 | 10,086,000 | 10,099,000 | 10,590,000 |
| Total capital | 10,574,000 | 10,848,000 | 10,935,000 | 11,430,000 |
| Risk-weighted assets | 65,764,000 | 72,400,000 | 66,584,000 | 66,838,000 |