Call reports 2015
HIGHLANDS COMMUNITY BANK — 2015
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 132,543,000 | 131,216,000 | 131,976,000 | 132,435,000 |
| Total loans | 66,706,000 | 66,541,000 | 67,401,000 | 69,676,000 |
| Allowance for loan losses | 1,107,000 | 1,119,000 | 1,063,000 | 1,045,000 |
| Securities available for sale | 55,693,000 | 56,595,000 | 53,848,000 | 53,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,941,000 | 115,353,000 | 115,169,000 | 115,510,000 |
| Interest-bearing deposits | 102,922,000 | 102,134,000 | 100,943,000 | 100,963,000 |
| Noninterest-bearing deposits | 13,019,000 | 13,219,000 | 14,226,000 | 14,547,000 |
| Equity capital | 15,625,000 | 15,451,000 | 16,149,000 | 16,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,414,000 | 2,840,000 | 4,283,000 | 5,773,000 |
| Interest expense | 256,000 | 504,000 | 746,000 | 974,000 |
| Net interest income | 1,158,000 | 2,336,000 | 3,537,000 | 4,799,000 |
| Noninterest income | 110,000 | 230,000 | 350,000 | 466,000 |
| Noninterest expense | 804,000 | 1,617,000 | 2,425,000 | 3,251,000 |
| Provision for loan losses | 10,000 | 10,000 | 40,000 | 85,000 |
| Pretax income | 467,000 | 978,000 | 1,499,000 | 2,041,000 |
| Income tax | 105,000 | 225,000 | 347,000 | 479,000 |
| Net income | 362,000 | 753,000 | 1,152,000 | 1,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,311,000 | 14,702,000 | 15,101,000 | 15,414,000 |
| Total capital | 15,235,000 | 15,625,000 | 16,016,000 | 16,364,000 |
| Risk-weighted assets | 73,742,000 | 73,637,000 | 73,067,000 | 75,942,000 |