Call reports 2023
HIGHLANDS COMMUNITY BANK — 2023
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 195,675,000 | 198,620,000 | 199,337,000 | 199,419,000 |
| Total loans | 102,531,000 | 105,178,000 | 107,118,000 | 107,422,000 |
| Allowance for loan losses | 1,223,000 | 1,209,000 | 1,248,000 | 1,286,000 |
| Securities available for sale | 74,462,000 | 74,123,000 | 71,943,000 | 73,676,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,219,000 | 180,944,000 | 184,392,000 | 181,782,000 |
| Interest-bearing deposits | 140,245,000 | 143,746,000 | 146,548,000 | 144,054,000 |
| Noninterest-bearing deposits | 37,974,000 | 37,198,000 | 37,844,000 | 37,727,000 |
| Equity capital | 15,740,000 | 15,660,000 | 14,205,000 | 16,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,043,000 | 4,132,000 | 6,344,000 | 8,646,000 |
| Interest expense | 399,000 | 897,000 | 1,489,000 | 2,143,000 |
| Net interest income | 1,644,000 | 3,235,000 | 4,855,000 | 6,503,000 |
| Noninterest income | 222,000 | 431,000 | 649,000 | 864,000 |
| Noninterest expense | 1,306,000 | 2,635,000 | 4,309,000 | 5,658,000 |
| Provision for loan losses | 90,000 | 250,000 | 361,000 | 474,000 |
| Pretax income | 486,000 | 797,000 | 840,000 | 1,198,000 |
| Income tax | 92,000 | 135,000 | 130,000 | 192,000 |
| Net income | 394,000 | 662,000 | 710,000 | 1,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,339,000 | 23,062,000 | 22,678,000 | 22,975,000 |