Call reports 2004
HIGHLAND COMMUNITY BANK — 2004
What HIGHLAND COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 104,036,000 | 101,486,000 | 102,962,000 | 101,633,000 |
| Total loans | 41,928,000 | 40,153,000 | 38,617,000 | 38,714,000 |
| Allowance for loan losses | 1,872,000 | 1,872,000 | 1,115,000 | 1,109,000 |
| Securities available for sale | 56,905,000 | 54,843,000 | 58,782,000 | 56,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,423,000 | 88,290,000 | 89,004,000 | 88,630,000 |
| Interest-bearing deposits | 77,168,000 | 76,546,000 | 77,424,000 | 77,418,000 |
| Noninterest-bearing deposits | 10,255,000 | 11,744,000 | 11,580,000 | 11,212,000 |
| Equity capital | 15,252,000 | 11,091,000 | 11,556,000 | 11,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,279,000 | 2,465,000 | 3,702,000 | 4,939,000 |
| Interest expense | 220,000 | 447,000 | 706,000 | 1,013,000 |
| Net interest income | 1,059,000 | 2,018,000 | 2,996,000 | 3,926,000 |
| Noninterest income | 278,000 | 434,000 | 604,000 | 709,000 |
| Noninterest expense | 1,135,000 | 2,202,000 | 3,958,000 | 5,066,000 |
| Provision for loan losses | 0 | 0 | -600,000 | -600,000 |
| Pretax income | 205,000 | 253,000 | 246,000 | 198,000 |
| Income tax | 72,000 | 86,000 | 84,000 | -355,000 |
| Net income | 133,000 | 167,000 | 162,000 | 553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,544,000 | 11,125,000 | 11,120,000 | 11,392,000 |
| Total capital | 15,693,000 | 12,255,000 | 12,221,000 | 11,982,000 |
| Risk-weighted assets | 52,484,000 | 50,930,000 | 49,317,000 | 46,646,000 |