Call reports 2009
HIGHLAND COMMERCIAL BANK — 2009
What HIGHLAND COMMERCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 148,399,000 | 146,515,000 | 147,265,000 | 143,489,000 |
| Total loans | 103,626,000 | 106,967,000 | 105,737,000 | 105,369,000 |
| Allowance for loan losses | 2,072,000 | 2,000,000 | 2,020,000 | 1,968,000 |
| Securities available for sale | 11,480,000 | 10,780,000 | 12,461,000 | 10,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,280,000 | 124,331,000 | 125,235,000 | 121,426,000 |
| Interest-bearing deposits | 116,333,000 | 115,638,000 | 116,825,000 | 114,154,000 |
| Noninterest-bearing deposits | 9,947,000 | 8,693,000 | 8,410,000 | 7,272,000 |
| Equity capital | 12,227,000 | 12,255,000 | 12,171,000 | 12,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,832,000 | 3,798,000 | 5,657,000 | 7,518,000 |
| Interest expense | 1,134,000 | 2,243,000 | 3,340,000 | 4,304,000 |
| Net interest income | 698,000 | 1,555,000 | 2,317,000 | 3,214,000 |
| Noninterest income | 64,000 | 135,000 | 234,000 | 7,000 |
| Noninterest expense | 1,070,000 | 1,987,000 | 3,036,000 | 4,333,000 |
| Provision for loan losses | 10,000 | 0 | 20,000 | 95,000 |
| Pretax income | -318,000 | -297,000 | -459,000 | -1,061,000 |
| Income tax | 0 | 0 | 0 | -396,000 |
| Net income | -318,000 | -297,000 | -459,000 | -665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,124,000 | 12,150,000 | 11,995,000 | 12,245,000 |
| Total capital | 13,364,000 | 13,642,000 | 13,444,000 | 13,670,000 |
| Risk-weighted assets | 116,263,000 | 118,816,000 | 115,330,000 | 113,481,000 |