Call reports 2006
HIGHLAND COMMERCIAL BANK — 2006
What HIGHLAND COMMERCIAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 77,735,000 | 83,646,000 | 94,782,000 | 102,281,000 |
| Total loans | 60,567,000 | 72,531,000 | 76,323,000 | 84,242,000 |
| Allowance for loan losses | 690,000 | 815,000 | 910,000 | 965,000 |
| Securities available for sale | 5,634,000 | 7,110,000 | 8,685,000 | 8,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,785,000 | 68,351,000 | 79,443,000 | 86,769,000 |
| Interest-bearing deposits | 56,883,000 | 63,184,000 | 73,721,000 | 81,008,000 |
| Noninterest-bearing deposits | 6,902,000 | 5,167,000 | 5,722,000 | 5,761,000 |
| Equity capital | 11,848,000 | 12,076,000 | 12,608,000 | 12,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,412,000 | 3,042,000 | 4,923,000 | 7,021,000 |
| Interest expense | 554,000 | 1,224,000 | 2,081,000 | 3,089,000 |
| Net interest income | 858,000 | 1,818,000 | 2,842,000 | 3,932,000 |
| Noninterest income | 129,000 | 186,000 | 374,000 | 423,000 |
| Noninterest expense | 614,000 | 1,219,000 | 1,881,000 | 2,630,000 |
| Provision for loan losses | 185,000 | 310,000 | 405,000 | 460,000 |
| Pretax income | 188,000 | 475,000 | 930,000 | 1,265,000 |
| Income tax | 3,000 | 6,000 | 8,000 | 163,000 |
| Net income | 185,000 | 469,000 | 922,000 | 1,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,918,000 | 12,176,000 | 12,629,000 | 12,828,000 |
| Total capital | 12,608,000 | 12,991,000 | 13,539,000 | 13,793,000 |
| Risk-weighted assets | 65,817,000 | 78,868,000 | 86,125,000 | 90,773,000 |