Call reports 2011
HIGHLAND COMMUNITY BANK — 2011
What HIGHLAND COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 99,949,000 | 102,744,000 | 99,034,000 | 94,717,000 |
| Total loans | 63,205,000 | 62,987,000 | 60,493,000 | 59,662,000 |
| Allowance for loan losses | 2,912,000 | 3,080,000 | 3,658,000 | 4,008,000 |
| Securities available for sale | 28,708,000 | 27,923,000 | 29,727,000 | 28,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,858,000 | 92,741,000 | 89,648,000 | 88,940,000 |
| Interest-bearing deposits | 77,484,000 | 80,246,000 | 77,331,000 | 77,726,000 |
| Noninterest-bearing deposits | 12,374,000 | 12,495,000 | 12,317,000 | 11,214,000 |
| Equity capital | 6,522,000 | 6,380,000 | 5,874,000 | 5,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,069,000 | 2,098,000 | 3,101,000 | 4,046,000 |
| Interest expense | 166,000 | 327,000 | 472,000 | 581,000 |
| Net interest income | 903,000 | 1,771,000 | 2,629,000 | 3,465,000 |
| Noninterest income | 126,000 | 243,000 | 359,000 | 713,000 |
| Noninterest expense | 1,040,000 | 2,155,000 | 3,127,000 | 4,372,000 |
| Provision for loan losses | 15,000 | 200,000 | 770,000 | 1,402,000 |
| Pretax income | -26,000 | -340,000 | -908,000 | -1,595,000 |
| Income tax | 0 | 0 | -17,000 | -17,000 |
| Net income | -26,000 | -340,000 | -891,000 | -1,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,637,000 | 6,323,000 | 5,772,000 | 5,085,000 |
| Total capital | 7,500,000 | 7,176,000 | 6,599,000 | 5,896,000 |
| Risk-weighted assets | 66,987,000 | 66,007,000 | 63,353,000 | 61,702,000 |