Call reports 2004
HIGHLAND COMMERCIAL BANK — 2004
What HIGHLAND COMMERCIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Total assets | 17,181,000 | 30,706,000 |
| Total loans | 398,000 | 16,235,000 |
| Allowance for loan losses | 0 | 162,000 |
| Securities available for sale | 0 | 496,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 5,146,000 | 18,996,000 |
| Interest-bearing deposits | 4,868,000 | 17,756,000 |
| Noninterest-bearing deposits | 278,000 | 1,240,000 |
| Equity capital | 12,018,000 | 11,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Interest income | 15,000 | 314,000 |
| Interest expense | 6,000 | 85,000 |
| Net interest income | 9,000 | 229,000 |
| Noninterest income | 2,000 | 5,000 |
| Noninterest expense | 100,000 | 479,000 |
| Provision for loan losses | 0 | 162,000 |
| Pretax income | -89,000 | -407,000 |
| Income tax | 0 | 0 |
| Net income | -89,000 | -407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Tier 1 capital | 12,018,000 | 11,700,000 |
| Total capital | 12,018,000 | 11,862,000 |
| Risk-weighted assets | 6,056,000 | 21,976,000 |