Call reports 2012
HIGHLAND COMMUNITY BANK — 2012
What HIGHLAND COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 90,510,000 | 88,165,000 | 84,596,000 | 82,975,000 |
| Total loans | 58,279,000 | 54,138,000 | 51,708,000 | 48,905,000 |
| Allowance for loan losses | 4,450,000 | 3,910,000 | 2,072,000 | 2,000,000 |
| Securities available for sale | 27,120,000 | 19,352,000 | 18,884,000 | 18,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,594,000 | 83,647,000 | 80,647,000 | 79,308,000 |
| Interest-bearing deposits | 75,547,000 | 73,807,000 | 69,932,000 | 68,797,000 |
| Noninterest-bearing deposits | 10,047,000 | 9,840,000 | 10,715,000 | 10,511,000 |
| Equity capital | 4,588,000 | 3,997,000 | 3,478,000 | 3,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 912,000 | 1,765,000 | 2,563,000 | 3,371,000 |
| Interest expense | 93,000 | 179,000 | 253,000 | 321,000 |
| Net interest income | 819,000 | 1,586,000 | 2,310,000 | 3,050,000 |
| Noninterest income | 116,000 | 201,000 | 296,000 | 465,000 |
| Noninterest expense | 1,026,000 | 2,057,000 | 3,061,000 | 4,301,000 |
| Provision for loan losses | 465,000 | 1,005,000 | 1,367,000 | 1,407,000 |
| Pretax income | -540,000 | -1,257,000 | -1,804,000 | -2,175,000 |
| Income tax | 0 | 0 | 4,000 | 4,000 |
| Net income | -540,000 | -1,257,000 | -1,808,000 | -2,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,545,000 | 3,827,000 | 3,276,000 | 2,906,000 |
| Total capital | 5,351,000 | 4,580,000 | 4,003,000 | 3,585,000 |
| Risk-weighted assets | 60,849,000 | 57,090,000 | 56,815,000 | 52,963,000 |