Call reports 2007
HIGHLAND COMMERCIAL BANK — 2007
What HIGHLAND COMMERCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 114,511,000 | 123,276,000 | 129,161,000 | 131,954,000 |
| Total loans | 93,243,000 | 99,737,000 | 100,212,000 | 100,792,000 |
| Allowance for loan losses | 1,070,000 | 1,140,000 | 1,179,000 | 2,039,000 |
| Securities available for sale | 10,151,000 | 12,860,000 | 12,680,000 | 13,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,619,000 | 102,307,000 | 106,817,000 | 109,814,000 |
| Interest-bearing deposits | 89,052,000 | 94,065,000 | 97,722,000 | 102,528,000 |
| Noninterest-bearing deposits | 6,567,000 | 8,242,000 | 9,095,000 | 7,286,000 |
| Equity capital | 13,066,000 | 13,211,000 | 13,572,000 | 13,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,220,000 | 4,664,000 | 7,056,000 | 9,490,000 |
| Interest expense | 1,061,000 | 2,304,000 | 3,641,000 | 5,030,000 |
| Net interest income | 1,159,000 | 2,360,000 | 3,415,000 | 4,460,000 |
| Noninterest income | 43,000 | 164,000 | 368,000 | 471,000 |
| Noninterest expense | 715,000 | 1,522,000 | 2,381,000 | 3,261,000 |
| Provision for loan losses | 105,000 | 175,000 | 215,000 | 1,075,000 |
| Pretax income | 382,000 | 827,000 | 1,187,000 | 595,000 |
| Income tax | 143,000 | 312,000 | 440,000 | 218,000 |
| Net income | 239,000 | 515,000 | 747,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,078,000 | 13,355,000 | 13,593,000 | 13,229,000 |
| Total capital | 14,148,000 | 14,495,000 | 14,772,000 | 14,609,000 |
| Risk-weighted assets | 98,819,000 | 103,427,000 | 107,522,000 | 109,754,000 |