Call reports 2019
HIGHLANDS COMMUNITY BANK — 2019
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 145,877,000 | 148,640,000 | 152,028,000 | 152,671,000 |
| Total loans | 89,853,000 | 90,952,000 | 89,844,000 | 90,964,000 |
| Allowance for loan losses | 1,092,000 | 1,130,000 | 1,145,000 | 1,113,000 |
| Securities available for sale | 43,172,000 | 42,763,000 | 51,508,000 | 48,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,707,000 | 128,306,000 | 130,874,000 | 131,519,000 |
| Interest-bearing deposits | 106,574,000 | 108,218,000 | 111,472,000 | 111,704,000 |
| Noninterest-bearing deposits | 19,133,000 | 20,088,000 | 19,402,000 | 19,815,000 |
| Equity capital | 19,535,000 | 19,764,000 | 20,391,000 | 20,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,771,000 | 3,609,000 | 5,458,000 | 7,280,000 |
| Interest expense | 286,000 | 596,000 | 929,000 | 1,279,000 |
| Net interest income | 1,485,000 | 3,013,000 | 4,529,000 | 6,001,000 |
| Noninterest income | 124,000 | 267,000 | 424,000 | 579,000 |
| Noninterest expense | 1,119,000 | 2,244,000 | 3,366,000 | 4,478,000 |
| Provision for loan losses | 40,000 | 110,000 | 155,000 | 180,000 |
| Pretax income | 463,000 | 954,000 | 1,460,000 | 1,964,000 |
| Income tax | 76,000 | 160,000 | 250,000 | 341,000 |
| Net income | 387,000 | 794,000 | 1,210,000 | 1,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,210,000 | 19,086,000 | 19,504,000 | 19,918,000 |
| Total capital | 20,302,000 | 20,216,000 | 20,649,000 | 21,031,000 |
| Risk-weighted assets | 99,084,000 | 100,125,000 | 100,144,000 | 105,515,000 |