Call reports 2007
HIGHLAND COMMUNITY BANK — 2007
What HIGHLAND COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 95,886,000 | 100,912,000 | 100,764,000 | 101,652,000 |
| Total loans | 54,926,000 | 54,807,000 | 58,005,000 | 63,144,000 |
| Allowance for loan losses | 714,000 | 738,000 | 768,000 | 839,000 |
| Securities available for sale | 34,575,000 | 31,769,000 | 34,139,000 | 32,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,686,000 | 90,205,000 | 89,397,000 | 89,336,000 |
| Interest-bearing deposits | 73,262,000 | 78,687,000 | 77,470,000 | 79,223,000 |
| Noninterest-bearing deposits | 11,424,000 | 11,518,000 | 11,927,000 | 10,113,000 |
| Equity capital | 10,606,000 | 10,101,000 | 10,514,000 | 10,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,614,000 | 3,340,000 | 5,103,000 | 6,852,000 |
| Interest expense | 588,000 | 1,249,000 | 1,937,000 | 2,561,000 |
| Net interest income | 1,026,000 | 2,091,000 | 3,166,000 | 4,291,000 |
| Noninterest income | 90,000 | 203,000 | 303,000 | 446,000 |
| Noninterest expense | 1,010,000 | 2,041,000 | 3,058,000 | 4,028,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 170,000 |
| Pretax income | 76,000 | -294,000 | -166,000 | 52,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 76,000 | -294,000 | -166,000 | 52,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,878,000 | 10,508,000 | 10,636,000 | 10,854,000 |
| Total capital | 11,592,000 | 11,246,000 | 11,404,000 | 11,693,000 |
| Risk-weighted assets | 65,635,000 | 66,600,000 | 68,656,000 | 73,754,000 |