Call reports 2010
HIGHLAND COMMERCIAL BANK — 2010
What HIGHLAND COMMERCIAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 142,018,000 | 137,910,000 | 137,691,000 | 130,032,000 |
| Total loans | 104,214,000 | 101,460,000 | 100,947,000 | 100,512,000 |
| Allowance for loan losses | 1,922,000 | 1,915,000 | 1,911,000 | 2,366,000 |
| Securities available for sale | 10,979,000 | 14,833,000 | 16,286,000 | 15,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,728,000 | 117,297,000 | 116,839,000 | 109,329,000 |
| Interest-bearing deposits | 113,899,000 | 109,405,000 | 108,131,000 | 101,111,000 |
| Noninterest-bearing deposits | 7,829,000 | 7,892,000 | 8,708,000 | 8,218,000 |
| Equity capital | 11,529,000 | 11,845,000 | 11,975,000 | 11,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,826,000 | 3,646,000 | 5,408,000 | 7,103,000 |
| Interest expense | 860,000 | 1,660,000 | 2,360,000 | 2,958,000 |
| Net interest income | 966,000 | 1,986,000 | 3,048,000 | 4,145,000 |
| Noninterest income | 27,000 | 112,000 | 72,000 | 136,000 |
| Noninterest expense | 1,125,000 | 1,986,000 | 2,865,000 | 4,126,000 |
| Provision for loan losses | 688,000 | 776,000 | 851,000 | 1,465,000 |
| Pretax income | -766,000 | -611,000 | -545,000 | -1,167,000 |
| Income tax | 0 | 0 | 0 | -443,000 |
| Net income | -766,000 | -611,000 | -545,000 | -724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,483,000 | 11,636,000 | 11,703,000 | 10,934,000 |
| Total capital | 12,880,000 | 12,987,000 | 13,037,000 | 12,258,000 |
| Risk-weighted assets | 111,197,000 | 107,523,000 | 106,209,000 | 105,137,000 |