Call reports 2002
HIGHLAND COMMUNITY BANK — 2002
What HIGHLAND COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 120,449,000 | 117,477,000 | 109,601,000 | 106,788,000 |
| Total loans | 45,523,000 | 47,243,000 | 47,539,000 | 47,373,000 |
| Allowance for loan losses | 1,878,000 | 1,873,000 | 1,864,000 | 1,869,000 |
| Securities available for sale | 50,461,000 | 57,863,000 | 54,536,000 | 49,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,553,000 | 103,535,000 | 96,293,000 | 89,486,000 |
| Interest-bearing deposits | 89,951,000 | 86,852,000 | 80,799,000 | 78,996,000 |
| Noninterest-bearing deposits | 17,602,000 | 16,683,000 | 15,494,000 | 10,490,000 |
| Equity capital | 11,095,000 | 11,710,000 | 11,706,000 | 14,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,737,000 | 3,374,000 | 4,891,000 | 6,271,000 |
| Interest expense | 462,000 | 907,000 | 1,335,000 | 1,687,000 |
| Net interest income | 1,275,000 | 2,467,000 | 3,556,000 | 4,584,000 |
| Noninterest income | 148,000 | 300,000 | 444,000 | 579,000 |
| Noninterest expense | 1,342,000 | 2,978,000 | 4,553,000 | 7,305,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 81,000 | -211,000 | -506,000 | -2,095,000 |
| Income tax | 0 | 0 | -400,000 | -412,000 |
| Net income | 81,000 | -211,000 | -106,000 | -1,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,589,000 | 10,307,000 | 10,695,000 | 13,149,000 |
| Total capital | 11,799,000 | 11,543,000 | 11,949,000 | 14,311,000 |
| Risk-weighted assets | 57,407,000 | 59,563,000 | 61,015,000 | 53,532,000 |