Call reports 2008
HIGHLAND COMMERCIAL BANK — 2008
What HIGHLAND COMMERCIAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 134,731,000 | 135,874,000 | 136,971,000 | 138,574,000 |
| Total loans | 106,005,000 | 103,554,000 | 102,855,000 | 102,927,000 |
| Allowance for loan losses | 1,236,000 | 1,266,000 | 1,296,000 | 1,864,000 |
| Securities available for sale | 13,972,000 | 13,993,000 | 12,369,000 | 13,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,467,000 | 114,835,000 | 115,803,000 | 118,135,000 |
| Interest-bearing deposits | 103,017,000 | 8,581,000 | 106,687,000 | 109,594,000 |
| Noninterest-bearing deposits | 9,450,000 | 106,254,000 | 9,116,000 | 8,541,000 |
| Equity capital | 13,395,000 | 13,181,000 | 13,328,000 | 12,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,232,000 | 4,367,000 | 6,492,000 | 8,510,000 |
| Interest expense | 1,292,000 | 2,480,000 | 3,653,000 | 4,826,000 |
| Net interest income | 940,000 | 1,887,000 | 2,839,000 | 3,684,000 |
| Noninterest income | 91,000 | 156,000 | 269,000 | 328,000 |
| Noninterest expense | 917,000 | 1,870,000 | 2,718,000 | 3,665,000 |
| Provision for loan losses | 80,000 | 110,000 | 140,000 | 1,692,000 |
| Pretax income | 34,000 | 63,000 | 254,000 | -1,341,000 |
| Income tax | 13,000 | 38,000 | 93,000 | -514,000 |
| Net income | 21,000 | 25,000 | 161,000 | -827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,255,000 | 13,271,000 | 13,412,000 | 12,436,000 |
| Total capital | 14,491,000 | 14,537,000 | 14,708,000 | 13,873,000 |
| Risk-weighted assets | 114,892,000 | 115,769,000 | 114,923,000 | 114,521,000 |