Call reports 2021
HIGHLANDS COMMUNITY BANK — 2021
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 178,126,000 | 181,686,000 | 184,234,000 | 188,320,000 |
| Total loans | 107,729,000 | 107,162,000 | 103,049,000 | 100,478,000 |
| Allowance for loan losses | 1,199,000 | 1,233,000 | 1,228,000 | 1,131,000 |
| Securities available for sale | 58,055,000 | 62,745,000 | 69,134,000 | 71,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,848,000 | 158,819,000 | 160,764,000 | 165,129,000 |
| Interest-bearing deposits | 124,001,000 | 128,283,000 | 130,557,000 | 134,808,000 |
| Noninterest-bearing deposits | 30,847,000 | 30,536,000 | 30,207,000 | 30,321,000 |
| Equity capital | 21,613,000 | 22,240,000 | 22,600,000 | 22,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,839,000 | 3,741,000 | 5,675,000 | 7,444,000 |
| Interest expense | 303,000 | 585,000 | 865,000 | 1,141,000 |
| Net interest income | 1,536,000 | 3,156,000 | 4,810,000 | 6,303,000 |
| Noninterest income | 171,000 | 340,000 | 518,000 | 639,000 |
| Noninterest expense | 1,134,000 | 2,298,000 | 3,483,000 | 4,565,000 |
| Provision for loan losses | 60,000 | 155,000 | 220,000 | 195,000 |
| Pretax income | 513,000 | 1,044,000 | 1,626,000 | 2,184,000 |
| Income tax | 89,000 | 185,000 | 293,000 | 394,000 |
| Net income | 424,000 | 859,000 | 1,333,000 | 1,790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,599,000 | 21,034,000 | 21,510,000 | 21,970,000 |