Call reports 2012
HIGHLAND COMMERCIAL BANK — 2012
What HIGHLAND COMMERCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 134,111,000 | 128,252,000 | 129,394,000 | 126,667,000 |
| Total loans | 90,013,000 | 88,680,000 | 88,739,000 | 88,483,000 |
| Allowance for loan losses | 2,261,000 | 2,097,000 | 1,805,000 | 1,765,000 |
| Securities available for sale | 27,554,000 | 24,447,000 | 23,142,000 | 18,077,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,272,000 | 111,159,000 | 112,097,000 | 109,314,000 |
| Interest-bearing deposits | 102,897,000 | 101,698,000 | 100,221,000 | 97,016,000 |
| Noninterest-bearing deposits | 12,375,000 | 9,461,000 | 11,876,000 | 12,298,000 |
| Equity capital | 12,090,000 | 12,271,000 | 12,436,000 | 12,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,477,000 | 2,878,000 | 4,267,000 | 5,643,000 |
| Interest expense | 395,000 | 733,000 | 1,025,000 | 1,293,000 |
| Net interest income | 1,082,000 | 2,145,000 | 3,242,000 | 4,350,000 |
| Noninterest income | 214,000 | 278,000 | 334,000 | 391,000 |
| Noninterest expense | 1,025,000 | 1,984,000 | 2,883,000 | 3,751,000 |
| Provision for loan losses | 195,000 | 285,000 | 405,000 | 533,000 |
| Pretax income | 76,000 | 284,000 | 432,000 | 670,000 |
| Income tax | 30,000 | 106,000 | 163,000 | 236,000 |
| Net income | 46,000 | 178,000 | 269,000 | 434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,535,000 | 11,717,000 | 11,809,000 | 11,761,000 |
| Total capital | 12,759,000 | 12,909,000 | 13,006,000 | 12,975,000 |
| Risk-weighted assets | 96,854,000 | 94,462,000 | 95,184,000 | 96,592,000 |