Call reports 2013
HIGHLAND COMMERCIAL BANK — 2013
What HIGHLAND COMMERCIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 126,929,000 | 124,206,000 | 125,917,000 | 120,215,000 |
| Total loans | 86,317,000 | 87,754,000 | 87,592,000 | 84,004,000 |
| Allowance for loan losses | 1,817,000 | 1,846,000 | 1,906,000 | 2,027,000 |
| Securities available for sale | 26,271,000 | 20,300,000 | 19,245,000 | 19,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,352,000 | 106,977,000 | 108,571,000 | 102,004,000 |
| Interest-bearing deposits | 95,622,000 | 93,190,000 | 95,222,000 | 91,205,000 |
| Noninterest-bearing deposits | 13,730,000 | 13,787,000 | 13,349,000 | 10,799,000 |
| Equity capital | 12,648,000 | 12,412,000 | 12,337,000 | 12,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,370,000 | 2,738,000 | 4,045,000 | 5,339,000 |
| Interest expense | 250,000 | 483,000 | 717,000 | 914,000 |
| Net interest income | 1,120,000 | 2,255,000 | 3,328,000 | 4,425,000 |
| Noninterest income | 54,000 | 56,000 | 117,000 | 199,000 |
| Noninterest expense | 919,000 | 1,847,000 | 2,740,000 | 3,591,000 |
| Provision for loan losses | 50,000 | 80,000 | 140,000 | 260,000 |
| Pretax income | 205,000 | 411,000 | 592,000 | 800,000 |
| Income tax | 76,000 | 153,000 | 220,000 | 286,000 |
| Net income | 129,000 | 258,000 | 372,000 | 514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,017,000 | 12,204,000 | 12,416,000 | 12,845,000 |
| Total capital | 13,214,000 | 13,389,000 | 13,592,000 | 13,993,000 |
| Risk-weighted assets | 95,100,000 | 94,153,000 | 93,334,000 | 90,994,000 |