Call reports 2022
HIGHLANDS COMMUNITY BANK — 2022
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 193,505,000 | 202,574,000 | 198,912,000 | 200,561,000 |
| Total loans | 99,696,000 | 102,567,000 | 100,853,000 | 103,062,000 |
| Allowance for loan losses | 1,128,000 | 1,147,000 | 1,162,000 | 1,150,000 |
| Securities available for sale | 76,062,000 | 78,579,000 | 76,927,000 | 76,783,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,581,000 | 185,617,000 | 184,127,000 | 184,491,000 |
| Interest-bearing deposits | 139,430,000 | 149,875,000 | 146,133,000 | 145,854,000 |
| Noninterest-bearing deposits | 33,151,000 | 35,742,000 | 37,994,000 | 38,637,000 |
| Equity capital | 18,355,000 | 16,387,000 | 14,038,000 | 15,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,906,000 | 3,788,000 | 5,857,000 | 7,893,000 |
| Interest expense | 269,000 | 542,000 | 814,000 | 1,104,000 |
| Net interest income | 1,637,000 | 3,246,000 | 5,043,000 | 6,789,000 |
| Noninterest income | 188,000 | 383,000 | 522,000 | 732,000 |
| Noninterest expense | 1,225,000 | 2,414,000 | 3,710,000 | 4,976,000 |
| Provision for loan losses | 65,000 | 165,000 | 245,000 | 335,000 |
| Pretax income | 535,000 | 1,050,000 | 1,610,000 | 2,210,000 |
| Income tax | 97,000 | 189,000 | 288,000 | 395,000 |
| Net income | 438,000 | 861,000 | 1,322,000 | 1,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,520,000 | 21,944,000 | 22,407,000 | 22,900,000 |