Call reports 2013
HIGHLANDS COMMUNITY BANK — 2013
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 126,868,000 | 124,787,000 | 126,453,000 | 125,380,000 |
| Total loans | 64,715,000 | 63,545,000 | 68,029,000 | 66,550,000 |
| Allowance for loan losses | 1,008,000 | 1,001,000 | 1,039,000 | 1,103,000 |
| Securities available for sale | 50,225,000 | 49,703,000 | 50,296,000 | 49,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,125,000 | 111,684,000 | 113,105,000 | 112,030,000 |
| Interest-bearing deposits | 101,569,000 | 101,587,000 | 102,062,000 | 101,229,000 |
| Noninterest-bearing deposits | 10,557,000 | 10,098,000 | 11,043,000 | 10,801,000 |
| Equity capital | 13,450,000 | 12,593,000 | 12,831,000 | 12,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,374,000 | 2,784,000 | 4,217,000 | 5,669,000 |
| Interest expense | 369,000 | 722,000 | 1,049,000 | 1,358,000 |
| Net interest income | 1,005,000 | 2,062,000 | 3,168,000 | 4,311,000 |
| Noninterest income | 104,000 | 214,000 | 333,000 | 446,000 |
| Noninterest expense | 718,000 | 1,408,000 | 2,126,000 | 2,867,000 |
| Provision for loan losses | 50,000 | 105,000 | 165,000 | 255,000 |
| Pretax income | 423,000 | 870,000 | 1,325,000 | 1,804,000 |
| Income tax | 88,000 | 185,000 | 280,000 | 385,000 |
| Net income | 335,000 | 685,000 | 1,045,000 | 1,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,726,000 | 12,076,000 | 12,436,000 | 12,810,000 |
| Total capital | 12,664,000 | 12,998,000 | 13,408,000 | 13,759,000 |
| Risk-weighted assets | 74,946,000 | 73,665,000 | 77,684,000 | 75,795,000 |