Call reports 2009
HIGHLAND COMMUNITY BANK — 2009
What HIGHLAND COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 117,456,000 | 119,014,000 | 121,513,000 | 117,961,000 |
| Total loans | 73,744,000 | 73,168,000 | 71,547,000 | 72,936,000 |
| Allowance for loan losses | 2,357,000 | 3,153,000 | 2,045,000 | 3,763,000 |
| Securities available for sale | 32,939,000 | 31,987,000 | 37,931,000 | 34,737,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,911,000 | 101,299,000 | 102,803,000 | 102,849,000 |
| Interest-bearing deposits | 88,618,000 | 90,068,000 | 92,012,000 | 91,855,000 |
| Noninterest-bearing deposits | 10,293,000 | 11,231,000 | 10,791,000 | 10,994,000 |
| Equity capital | 11,992,000 | 11,038,000 | 11,787,000 | 8,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,463,000 | 2,930,000 | 4,388,000 | 5,537,000 |
| Interest expense | 364,000 | 687,000 | 1,009,000 | 1,320,000 |
| Net interest income | 1,099,000 | 2,243,000 | 3,379,000 | 4,217,000 |
| Noninterest income | 124,000 | 274,000 | 1,050,000 | 1,216,000 |
| Noninterest expense | 1,076,000 | 2,423,000 | 3,762,000 | 4,710,000 |
| Provision for loan losses | 0 | 925,000 | 935,000 | 2,800,000 |
| Pretax income | 176,000 | -397,000 | 265,000 | -1,544,000 |
| Income tax | 62,000 | 0 | 95,000 | 1,508,000 |
| Net income | 114,000 | -397,000 | 170,000 | -3,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,229,000 | 9,437,000 | 10,175,000 | 8,336,000 |
| Total capital | 11,272,000 | 10,511,000 | 11,239,000 | 9,352,000 |
| Risk-weighted assets | 82,095,000 | 83,829,000 | 84,174,000 | 78,556,000 |