Call reports 2005
HIGHLAND COMMUNITY BANK — 2005
What HIGHLAND COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 98,964,000 | 97,851,000 | 98,552,000 | 97,328,000 |
| Total loans | 36,257,000 | 34,685,000 | 32,196,000 | 35,360,000 |
| Allowance for loan losses | 1,116,000 | 1,185,000 | 735,000 | 708,000 |
| Securities available for sale | 56,628,000 | 53,798,000 | 49,861,000 | 46,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,858,000 | 86,443,000 | 87,266,000 | 86,551,000 |
| Interest-bearing deposits | 75,459,000 | 75,251,000 | 75,755,000 | 76,211,000 |
| Noninterest-bearing deposits | 11,399,000 | 11,192,000 | 11,511,000 | 10,340,000 |
| Equity capital | 10,890,000 | 10,941,000 | 10,642,000 | 10,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,230,000 | 2,366,000 | 3,585,000 | 4,828,000 |
| Interest expense | 357,000 | 753,000 | 1,199,000 | 1,701,000 |
| Net interest income | 873,000 | 1,613,000 | 2,386,000 | 3,127,000 |
| Noninterest income | 111,000 | 220,000 | 324,000 | 416,000 |
| Noninterest expense | 1,060,000 | 2,064,000 | 3,082,000 | 4,144,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -76,000 | -231,000 | -372,000 | -601,000 |
| Income tax | 0 | 0 | 7,000 | 7,000 |
| Net income | -76,000 | -231,000 | -379,000 | -608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,315,000 | 11,166,000 | 11,018,000 | 10,789,000 |
| Total capital | 11,882,000 | 11,714,000 | 11,549,000 | 11,396,000 |
| Risk-weighted assets | 44,833,000 | 43,212,000 | 42,240,000 | 48,493,000 |