Call reports 2006
HIGHLAND COMMUNITY BANK — 2006
What HIGHLAND COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 92,674,000 | 91,335,000 | 94,173,000 | 94,043,000 |
| Total loans | 38,344,000 | 41,899,000 | 44,392,000 | 49,681,000 |
| Allowance for loan losses | 717,000 | 718,000 | 733,000 | 703,000 |
| Securities available for sale | 41,545,000 | 37,501,000 | 34,208,000 | 34,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,109,000 | 80,984,000 | 83,313,000 | 82,986,000 |
| Interest-bearing deposits | 71,063,000 | 68,838,000 | 71,495,000 | 71,176,000 |
| Noninterest-bearing deposits | 11,046,000 | 12,146,000 | 11,818,000 | 11,810,000 |
| Equity capital | 10,087,000 | 9,814,000 | 10,206,000 | 10,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,296,000 | 2,681,000 | 4,111,000 | 5,604,000 |
| Interest expense | 520,000 | 1,033,000 | 1,577,000 | 2,151,000 |
| Net interest income | 776,000 | 1,648,000 | 2,534,000 | 3,453,000 |
| Noninterest income | 98,000 | 191,000 | 281,000 | 459,000 |
| Noninterest expense | 1,006,000 | 2,020,000 | 2,942,000 | 3,876,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 45,000 |
| Pretax income | -110,000 | -159,000 | -120,000 | 13,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -110,000 | -159,000 | -120,000 | 13,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,679,000 | 10,630,000 | 10,669,000 | 10,802,000 |
| Total capital | 11,308,000 | 11,299,000 | 11,371,000 | 11,505,000 |
| Risk-weighted assets | 50,231,000 | 53,450,000 | 56,128,000 | 62,862,000 |