Call reports 2014
HIGHLAND COMMUNITY BANK — 2014
What HIGHLAND COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 63,886,000 | 61,205,000 | 58,329,000 | 54,727,000 |
| Total loans | 31,092,000 | 28,586,000 | 27,322,000 | 24,788,000 |
| Allowance for loan losses | 1,511,000 | 1,543,000 | 1,489,000 | 1,269,000 |
| Securities available for sale | 20,460,000 | 20,174,000 | 19,674,000 | 19,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,269,000 | 59,589,000 | 56,938,000 | 53,453,000 |
| Interest-bearing deposits | 53,239,000 | 50,187,000 | 47,703,000 | 45,491,000 |
| Noninterest-bearing deposits | 9,030,000 | 9,402,000 | 9,235,000 | 7,962,000 |
| Equity capital | 1,166,000 | 1,134,000 | 917,000 | 874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 534,000 | 1,007,000 | 1,478,000 | 1,935,000 |
| Interest expense | 38,000 | 73,000 | 104,000 | 131,000 |
| Net interest income | 496,000 | 934,000 | 1,374,000 | 1,804,000 |
| Noninterest income | 486,000 | 625,000 | 709,000 | 787,000 |
| Noninterest expense | 813,000 | 1,548,000 | 2,271,000 | 2,987,000 |
| Provision for loan losses | 200,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | -31,000 | -189,000 | -388,000 | -596,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -31,000 | -189,000 | -388,000 | -596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,506,000 | 1,349,000 | 1,149,000 | 942,000 |
| Total capital | 1,932,000 | 1,734,000 | 1,522,000 | 1,285,000 |
| Risk-weighted assets | 33,018,000 | 29,623,000 | 28,720,000 | 26,495,000 |