Call reports 2010
HIGHLAND COMMUNITY BANK — 2010
What HIGHLAND COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 122,543,000 | 119,065,000 | 110,794,000 | 101,873,000 |
| Total loans | 72,090,000 | 69,276,000 | 68,459,000 | 66,920,000 |
| Allowance for loan losses | 3,805,000 | 2,746,000 | 2,625,000 | 2,745,000 |
| Securities available for sale | 32,667,000 | 38,619,000 | 31,557,000 | 28,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,371,000 | 103,775,000 | 96,729,000 | 91,771,000 |
| Interest-bearing deposits | 97,214,000 | 93,075,000 | 85,125,000 | 80,002,000 |
| Noninterest-bearing deposits | 10,157,000 | 10,700,000 | 11,604,000 | 11,769,000 |
| Equity capital | 8,557,000 | 8,705,000 | 7,359,000 | 6,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,346,000 | 2,633,000 | 3,803,000 | 4,794,000 |
| Interest expense | 283,000 | 560,000 | 811,000 | 1,010,000 |
| Net interest income | 1,063,000 | 2,073,000 | 2,992,000 | 3,784,000 |
| Noninterest income | 149,000 | 285,000 | 1,011,000 | 1,140,000 |
| Noninterest expense | 1,152,000 | 2,311,000 | 3,513,000 | 4,873,000 |
| Provision for loan losses | 40,000 | 55,000 | 1,970,000 | 2,090,000 |
| Pretax income | 25,000 | 218,000 | -1,192,000 | -1,742,000 |
| Income tax | 11,000 | 0 | 17,000 | 17,000 |
| Net income | 14,000 | 218,000 | -1,209,000 | -1,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,357,000 | 8,567,000 | 7,147,000 | 6,663,000 |
| Total capital | 9,361,000 | 9,566,000 | 8,116,000 | 7,563,000 |
| Risk-weighted assets | 77,527,000 | 78,184,000 | 75,859,000 | 70,166,000 |