Call reports 2013
HIGHLAND COMMUNITY BANK — 2013
What HIGHLAND COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 81,752,000 | 81,389,000 | 73,275,000 | 67,255,000 |
| Total loans | 44,327,000 | 40,810,000 | 37,275,000 | 33,773,000 |
| Allowance for loan losses | 1,979,000 | 1,977,000 | 1,754,000 | 1,308,000 |
| Securities available for sale | 19,463,000 | 20,925,000 | 20,903,000 | 20,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,476,000 | 78,914,000 | 71,532,000 | 65,803,000 |
| Interest-bearing deposits | 67,300,000 | 66,446,000 | 60,792,000 | 56,343,000 |
| Noninterest-bearing deposits | 11,176,000 | 12,468,000 | 10,740,000 | 9,460,000 |
| Equity capital | 2,778,000 | 1,948,000 | 1,272,000 | 1,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 742,000 | 1,416,000 | 2,047,000 | 2,686,000 |
| Interest expense | 58,000 | 115,000 | 165,000 | 211,000 |
| Net interest income | 684,000 | 1,301,000 | 1,882,000 | 2,475,000 |
| Noninterest income | 62,000 | 135,000 | 222,000 | 299,000 |
| Noninterest expense | 969,000 | 1,872,000 | 2,814,000 | 3,647,000 |
| Provision for loan losses | 70,000 | 345,000 | 495,000 | 495,000 |
| Pretax income | -293,000 | -781,000 | -1,205,000 | -1,368,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -293,000 | -781,000 | -1,205,000 | -1,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,613,000 | 2,124,000 | 1,700,000 | 1,537,000 |
| Total capital | 3,222,000 | 2,691,000 | 2,219,000 | 2,005,000 |
| Risk-weighted assets | 47,361,000 | 43,928,000 | 40,245,000 | 36,577,000 |