Call reports 2016
HIGHLANDS COMMUNITY BANK — 2016
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 134,659,000 | 136,868,000 | 140,260,000 | 138,058,000 |
| Total loans | 71,703,000 | 74,764,000 | 79,635,000 | 79,501,000 |
| Allowance for loan losses | 1,050,000 | 1,048,000 | 1,093,000 | 1,013,000 |
| Securities available for sale | 54,092,000 | 53,625,000 | 50,121,000 | 47,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,821,000 | 118,451,000 | 121,571,000 | 120,633,000 |
| Interest-bearing deposits | 102,263,000 | 102,605,000 | 104,692,000 | 103,664,000 |
| Noninterest-bearing deposits | 14,558,000 | 15,846,000 | 16,879,000 | 16,969,000 |
| Equity capital | 16,664,000 | 17,459,000 | 17,716,000 | 17,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,477,000 | 3,007,000 | 4,552,000 | 6,116,000 |
| Interest expense | 223,000 | 447,000 | 669,000 | 888,000 |
| Net interest income | 1,254,000 | 2,560,000 | 3,883,000 | 5,228,000 |
| Noninterest income | 117,000 | 249,000 | 386,000 | 511,000 |
| Noninterest expense | 878,000 | 1,771,000 | 2,605,000 | 3,448,000 |
| Provision for loan losses | 35,000 | 90,000 | 185,000 | 385,000 |
| Pretax income | 491,000 | 1,022,000 | 1,585,000 | 2,072,000 |
| Income tax | 114,000 | 245,000 | 386,000 | 502,000 |
| Net income | 377,000 | 777,000 | 1,199,000 | 1,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,423,000 | 15,823,000 | 16,244,000 | 16,616,000 |
| Total capital | 16,413,000 | 16,850,000 | 17,320,000 | 17,629,000 |
| Risk-weighted assets | 79,138,000 | 82,108,000 | 86,072,000 | 86,321,000 |