Call reports 2011
HIGHLAND COMMERCIAL BANK — 2011
What HIGHLAND COMMERCIAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 135,991,000 | 135,665,000 | 136,436,000 | 133,081,000 |
| Total loans | 97,203,000 | 94,224,000 | 91,062,000 | 91,465,000 |
| Allowance for loan losses | 2,407,000 | 2,015,000 | 2,087,000 | 2,212,000 |
| Securities available for sale | 16,373,000 | 15,441,000 | 21,500,000 | 23,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,541,000 | 115,837,000 | 116,101,000 | 113,173,000 |
| Interest-bearing deposits | 107,216,000 | 106,837,000 | 107,377,000 | 104,269,000 |
| Noninterest-bearing deposits | 9,325,000 | 9,000,000 | 8,724,000 | 8,904,000 |
| Equity capital | 11,679,000 | 12,063,000 | 12,343,000 | 12,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,610,000 | 3,189,000 | 4,670,000 | 6,168,000 |
| Interest expense | 553,000 | 1,086,000 | 1,558,000 | 1,996,000 |
| Net interest income | 1,057,000 | 2,103,000 | 3,112,000 | 4,172,000 |
| Noninterest income | 61,000 | 206,000 | 290,000 | 401,000 |
| Noninterest expense | 866,000 | 1,779,000 | 2,673,000 | 3,699,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 500,000 |
| Pretax income | 178,000 | 514,000 | 638,000 | 578,000 |
| Income tax | 60,000 | 103,000 | 124,000 | 204,000 |
| Net income | 118,000 | 411,000 | 514,000 | 374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,144,000 | 11,294,000 | 12,037,000 | 11,409,000 |
| Total capital | 12,432,000 | 12,564,000 | 13,268,000 | 12,637,000 |
| Risk-weighted assets | 102,548,000 | 100,645,000 | 97,600,000 | 97,221,000 |