Call reports 2005
HIGHLAND COMMERCIAL BANK — 2005
What HIGHLAND COMMERCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 36,912,000 | 47,734,000 | 62,938,000 | 74,021,000 |
| Total loans | 26,123,000 | 37,443,000 | 46,558,000 | 48,921,000 |
| Allowance for loan losses | 260,000 | 380,000 | 470,000 | 505,000 |
| Securities available for sale | 737,000 | 994,000 | 1,235,000 | 4,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,355,000 | 34,243,000 | 49,319,000 | 60,239,000 |
| Interest-bearing deposits | 23,345,000 | 31,272,000 | 44,223,000 | 55,244,000 |
| Noninterest-bearing deposits | 2,010,000 | 2,971,000 | 5,096,000 | 4,995,000 |
| Equity capital | 11,534,000 | 11,455,000 | 11,531,000 | 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 | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 499,000 | 1,193,000 | 2,184,000 | 3,348,000 |
| Interest expense | 152,000 | 387,000 | 757,000 | 1,246,000 |
| Net interest income | 347,000 | 806,000 | 1,427,000 | 2,102,000 |
| Noninterest income | 20,000 | 68,000 | 145,000 | 196,000 |
| Noninterest expense | 419,000 | 892,000 | 1,416,000 | 1,946,000 |
| Provision for loan losses | 98,000 | 218,000 | 308,000 | 343,000 |
| Pretax income | -150,000 | -236,000 | -152,000 | 9,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | -152,000 | -238,000 | -154,000 | 7,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,547,000 | 11,461,000 | 11,531,000 | 11,696,000 |
| Total capital | 11,807,000 | 11,841,000 | 12,001,000 | 12,201,000 |
| Risk-weighted assets | 30,697,000 | 40,901,000 | 50,667,000 | 54,785,000 |