Call reports 2025
HIGHLANDS COMMUNITY BANK — 2025
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 191,764,000 | 191,552,000 | 189,282,000 | 189,749,000 |
| Total loans | 99,291,000 | 95,131,000 | 90,098,000 | 87,206,000 |
| Allowance for loan losses | 1,286,000 | 1,324,000 | 1,284,000 | 1,238,000 |
| Securities available for sale | 71,039,000 | 73,987,000 | 79,057,000 | 84,922,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,214,000 | 171,107,000 | 168,041,000 | 165,175,000 |
| Interest-bearing deposits | 130,428,000 | 129,740,000 | 125,148,000 | 123,453,000 |
| Noninterest-bearing deposits | 41,786,000 | 41,367,000 | 42,893,000 | 41,722,000 |
| Equity capital | 18,466,000 | 19,224,000 | 20,150,000 | 20,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,101,000 | 4,163,000 | 6,253,000 | 8,293,000 |
| Interest expense | 657,000 | 1,244,000 | 1,837,000 | 2,436,000 |
| Net interest income | 1,444,000 | 2,919,000 | 4,416,000 | 5,857,000 |
| Noninterest income | 202,000 | 417,000 | 623,000 | 831,000 |
| Noninterest expense | 1,403,000 | 2,874,000 | 4,385,000 | 5,840,000 |
| Provision for loan losses | 35,000 | 100,000 | 150,000 | 150,000 |
| Pretax income | 115,000 | 269,000 | 411,000 | 611,000 |
| Income tax | 11,000 | 36,000 | 51,000 | 80,000 |
| Net income | 104,000 | 233,000 | 360,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,250,000 | 23,381,000 | 23,527,000 | 23,552,000 |