Call reports 2008
HIGHLAND COMMUNITY BANK — 2008
What HIGHLAND COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 104,432,000 | 110,715,000 | 111,438,000 | 111,602,000 |
| Total loans | 67,623,000 | 72,310,000 | 73,601,000 | 72,518,000 |
| Allowance for loan losses | 899,000 | 957,000 | 1,927,000 | 2,335,000 |
| Securities available for sale | 31,111,000 | 30,836,000 | 31,733,000 | 32,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,311,000 | 99,124,000 | 97,570,000 | 90,526,000 |
| Interest-bearing deposits | 80,301,000 | 87,927,000 | 87,617,000 | 80,042,000 |
| Noninterest-bearing deposits | 10,010,000 | 11,197,000 | 9,953,000 | 10,484,000 |
| Equity capital | 11,215,000 | 10,812,000 | 10,803,000 | 11,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,642,000 | 3,264,000 | 4,976,000 | 6,435,000 |
| Interest expense | 545,000 | 1,012,000 | 1,498,000 | 1,961,000 |
| Net interest income | 1,097,000 | 2,252,000 | 3,478,000 | 4,474,000 |
| Noninterest income | 225,000 | 403,000 | 558,000 | 1,410,000 |
| Noninterest expense | 1,325,000 | 2,518,000 | 4,154,000 | 5,323,000 |
| Provision for loan losses | 60,000 | 120,000 | 1,020,000 | 1,673,000 |
| Pretax income | 160,000 | 240,000 | -915,000 | -889,000 |
| Income tax | 2,000 | 2,000 | -1,305,000 | -1,509,000 |
| Net income | 158,000 | 238,000 | 390,000 | 620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,012,000 | 10,930,000 | 10,121,000 | 9,983,000 |
| Total capital | 11,911,000 | 11,887,000 | 11,200,000 | 11,015,000 |
| Risk-weighted assets | 79,613,000 | 84,101,000 | 85,495,000 | 81,244,000 |