Call reports 2012
HIGHLANDS COMMUNITY BANK — 2012
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 117,328,000 | 118,940,000 | 120,711,000 | 121,960,000 |
| Total loans | 58,403,000 | 60,013,000 | 59,719,000 | 61,519,000 |
| Allowance for loan losses | 1,302,000 | 1,370,000 | 1,121,000 | 887,000 |
| Securities available for sale | 46,243,000 | 48,231,000 | 49,357,000 | 49,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,128,000 | 105,020,000 | 106,283,000 | 107,300,000 |
| Interest-bearing deposits | 94,884,000 | 96,096,000 | 96,773,000 | 97,755,000 |
| Noninterest-bearing deposits | 9,244,000 | 8,924,000 | 9,510,000 | 9,545,000 |
| Equity capital | 12,243,000 | 12,945,000 | 13,351,000 | 13,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,337,000 | 2,736,000 | 4,126,000 | 5,526,000 |
| Interest expense | 455,000 | 903,000 | 1,332,000 | 1,725,000 |
| Net interest income | 882,000 | 1,833,000 | 2,794,000 | 3,801,000 |
| Noninterest income | 118,000 | 232,000 | 355,000 | 468,000 |
| Noninterest expense | 607,000 | 1,278,000 | 1,953,000 | 2,705,000 |
| Provision for loan losses | 90,000 | 164,000 | 224,000 | 264,000 |
| Pretax income | 353,000 | 737,000 | 1,158,000 | 1,509,000 |
| Income tax | 50,000 | 125,000 | 216,000 | 281,000 |
| Net income | 303,000 | 612,000 | 942,000 | 1,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,769,000 | 11,078,000 | 11,409,000 | 11,694,000 |
| Total capital | 11,621,000 | 11,960,000 | 12,296,000 | 12,581,000 |
| Risk-weighted assets | 67,749,000 | 70,051,000 | 70,750,000 | 71,844,000 |