Call reports 2014
HIGHLANDS COMMUNITY BANK — 2014
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 127,722,000 | 128,776,000 | 130,094,000 | 129,852,000 |
| Total loans | 66,760,000 | 68,239,000 | 67,649,000 | 66,992,000 |
| Allowance for loan losses | 1,089,000 | 1,065,000 | 1,150,000 | 1,117,000 |
| Securities available for sale | 50,434,000 | 53,483,000 | 53,344,000 | 54,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,666,000 | 113,899,000 | 115,046,000 | 114,098,000 |
| Interest-bearing deposits | 102,501,000 | 102,555,000 | 102,733,000 | 101,970,000 |
| Noninterest-bearing deposits | 11,165,000 | 11,344,000 | 12,313,000 | 12,128,000 |
| Equity capital | 13,431,000 | 14,059,000 | 14,553,000 | 15,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,392,000 | 2,826,000 | 4,274,000 | 5,737,000 |
| Interest expense | 289,000 | 571,000 | 850,000 | 1,119,000 |
| Net interest income | 1,103,000 | 2,255,000 | 3,424,000 | 4,618,000 |
| Noninterest income | 109,000 | 272,000 | 401,000 | 508,000 |
| Noninterest expense | 750,000 | 1,524,000 | 2,281,000 | 3,063,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 100,000 |
| Pretax income | 467,000 | 1,023,000 | 1,569,000 | 2,109,000 |
| Income tax | 118,000 | 266,000 | 408,000 | 551,000 |
| Net income | 349,000 | 757,000 | 1,161,000 | 1,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,993,000 | 13,343,000 | 13,747,000 | 14,144,000 |
| Total capital | 13,944,000 | 14,311,000 | 14,705,000 | 15,096,000 |
| Risk-weighted assets | 75,916,000 | 77,372,000 | 76,415,000 | 76,028,000 |