Call reports 2003
HIGHLAND COMMUNITY BANK — 2003
What HIGHLAND COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 109,024,000 | 105,875,000 | 104,846,000 | 104,063,000 |
| Total loans | 47,449,000 | 46,266,000 | 44,130,000 | 43,212,000 |
| Allowance for loan losses | 1,733,000 | 1,775,000 | 1,789,000 | 1,785,000 |
| Securities available for sale | 53,359,000 | 53,144,000 | 55,059,000 | 54,854,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,397,000 | 90,263,000 | 88,903,000 | 87,172,000 |
| Interest-bearing deposits | 80,974,000 | 79,504,000 | 78,737,000 | 77,237,000 |
| Noninterest-bearing deposits | 10,423,000 | 10,759,000 | 10,166,000 | 9,935,000 |
| Equity capital | 14,791,000 | 14,796,000 | 15,159,000 | 15,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,956,000 | 4,212,000 | 5,488,000 |
| Interest expense | 297,000 | 568,000 | 814,000 | 1,045,000 |
| Net interest income | 1,060,000 | 2,388,000 | 3,398,000 | 4,443,000 |
| Noninterest income | 960,000 | 1,097,000 | 2,304,000 | 2,602,000 |
| Noninterest expense | 1,459,000 | 2,846,000 | 4,179,000 | 5,363,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 561,000 | 639,000 | 1,523,000 | 1,686,000 |
| Income tax | 0 | 0 | 0 | 425,000 |
| Net income | 561,000 | 639,000 | 1,523,000 | 1,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,710,000 | 13,788,000 | 14,674,000 | 14,412,000 |
| Total capital | 14,892,000 | 14,959,000 | 15,837,000 | 15,602,000 |
| Risk-weighted assets | 55,274,000 | 54,365,000 | 53,721,000 | 55,913,000 |