Call reports 2018
HIGHLANDS COMMUNITY BANK — 2018
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 143,252,000 | 144,848,000 | 143,025,000 | 143,592,000 |
| Total loans | 88,162,000 | 89,637,000 | 90,155,000 | 89,028,000 |
| Allowance for loan losses | 1,063,000 | 1,059,000 | 1,099,000 | 1,095,000 |
| Securities available for sale | 45,615,000 | 43,610,000 | 42,188,000 | 43,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,055,000 | 126,590,000 | 123,694,000 | 124,460,000 |
| Interest-bearing deposits | 105,314,000 | 108,444,000 | 106,538,000 | 106,465,000 |
| Noninterest-bearing deposits | 17,741,000 | 18,146,000 | 17,156,000 | 17,995,000 |
| Equity capital | 18,044,000 | 17,822,000 | 18,042,000 | 18,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,646,000 | 3,322,000 | 5,071,000 | 6,836,000 |
| Interest expense | 229,000 | 475,000 | 733,000 | 1,001,000 |
| Net interest income | 1,417,000 | 2,847,000 | 4,338,000 | 5,835,000 |
| Noninterest income | 132,000 | 256,000 | 388,000 | 569,000 |
| Noninterest expense | 979,000 | 2,019,000 | 3,073,000 | 4,192,000 |
| Provision for loan losses | 90,000 | 190,000 | 275,000 | 325,000 |
| Pretax income | 480,000 | 900,000 | 1,400,000 | 1,912,000 |
| Income tax | 72,000 | 135,000 | 215,000 | 302,000 |
| Net income | 408,000 | 765,000 | 1,185,000 | 1,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,161,000 | 17,972,000 | 18,391,000 | 18,821,000 |
| Total capital | 19,224,000 | 19,031,000 | 19,490,000 | 19,916,000 |
| Risk-weighted assets | 97,521,000 | 96,608,000 | 98,556,000 | 97,950,000 |