Call reports 2024
HIGHLANDS COMMUNITY BANK — 2024
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 202,284,000 | 200,843,000 | 200,521,000 | 195,402,000 |
| Total loans | 112,074,000 | 109,454,000 | 104,918,000 | 101,903,000 |
| Allowance for loan losses | 1,210,000 | 1,210,000 | 1,393,000 | 1,423,000 |
| Securities available for sale | 71,496,000 | 69,861,000 | 70,515,000 | 72,928,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,485,000 | 183,296,000 | 180,606,000 | 177,042,000 |
| Interest-bearing deposits | 146,242,000 | 144,819,000 | 141,033,000 | 136,262,000 |
| Noninterest-bearing deposits | 35,243,000 | 38,477,000 | 39,573,000 | 40,780,000 |
| Equity capital | 16,663,000 | 16,904,000 | 19,000,000 | 17,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,242,000 | 4,482,000 | 6,725,000 | 8,925,000 |
| Interest expense | 778,000 | 1,633,000 | 2,492,000 | 3,279,000 |
| Net interest income | 1,464,000 | 2,849,000 | 4,233,000 | 5,646,000 |
| Noninterest income | 189,000 | 406,000 | 631,000 | 859,000 |
| Noninterest expense | 1,555,000 | 2,923,000 | 4,282,000 | 5,863,000 |
| Provision for loan losses | 150,000 | 310,000 | 491,000 | 541,000 |
| Pretax income | -8,000 | 42,000 | 129,000 | 138,000 |
| Income tax | -17,000 | -21,000 | -18,000 | -28,000 |
| Net income | 9,000 | 63,000 | 147,000 | 166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,985,000 | 23,040,000 | 23,126,000 | 23,145,000 |