Call reports 2017
HIGHLANDS COMMUNITY BANK — 2017
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 140,762,000 | 140,933,000 | 142,441,000 | 142,249,000 |
| Total loans | 80,098,000 | 81,309,000 | 84,038,000 | 84,965,000 |
| Allowance for loan losses | 1,035,000 | 1,090,000 | 1,120,000 | 1,081,000 |
| Securities available for sale | 50,651,000 | 47,505,000 | 46,973,000 | 46,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,611,000 | 122,663,000 | 123,758,000 | 123,278,000 |
| Interest-bearing deposits | 105,561,000 | 106,690,000 | 106,477,000 | 105,404,000 |
| Noninterest-bearing deposits | 17,050,000 | 15,973,000 | 17,281,000 | 17,874,000 |
| Equity capital | 17,181,000 | 17,757,000 | 18,104,000 | 18,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,563,000 | 3,179,000 | 4,797,000 | 6,478,000 |
| Interest expense | 212,000 | 430,000 | 649,000 | 875,000 |
| Net interest income | 1,351,000 | 2,749,000 | 4,148,000 | 5,603,000 |
| Noninterest income | 129,000 | 262,000 | 399,000 | 520,000 |
| Noninterest expense | 874,000 | 1,771,000 | 2,658,000 | 3,646,000 |
| Provision for loan losses | 75,000 | 295,000 | 370,000 | 410,000 |
| Pretax income | 531,000 | 1,059,000 | 1,633,000 | 2,191,000 |
| Income tax | 130,000 | 261,000 | 408,000 | 601,000 |
| Net income | 401,000 | 798,000 | 1,225,000 | 1,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,598,000 | 16,995,000 | 17,422,000 | 17,787,000 |
| Total capital | 17,633,000 | 18,078,000 | 18,542,000 | 18,868,000 |
| Risk-weighted assets | 88,554,000 | 86,643,000 | 92,676,000 | 93,327,000 |