Call reports 2014
HIGHLAND COMMERCIAL BANK — 2014
What HIGHLAND COMMERCIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 123,511,000 | 122,381,000 | 123,828,000 | 122,470,000 |
| Total loans | 81,958,000 | 81,264,000 | 81,403,000 | 83,750,000 |
| Allowance for loan losses | 1,877,000 | 1,673,000 | 1,704,000 | 1,689,000 |
| Securities available for sale | 18,725,000 | 18,380,000 | 18,769,000 | 15,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,001,000 | 103,290,000 | 104,405,000 | 100,191,000 |
| Interest-bearing deposits | 90,805,000 | 88,137,000 | 87,403,000 | 86,081,000 |
| Noninterest-bearing deposits | 14,196,000 | 15,153,000 | 17,002,000 | 14,110,000 |
| Equity capital | 12,791,000 | 13,144,000 | 13,367,000 | 13,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,292,000 | 2,559,000 | 3,823,000 | 5,127,000 |
| Interest expense | 175,000 | 347,000 | 520,000 | 687,000 |
| Net interest income | 1,117,000 | 2,212,000 | 3,303,000 | 4,440,000 |
| Noninterest income | 89,000 | 229,000 | 291,000 | 420,000 |
| Noninterest expense | 834,000 | 1,656,000 | 2,508,000 | 3,411,000 |
| Provision for loan losses | 45,000 | 105,000 | 135,000 | 155,000 |
| Pretax income | 303,000 | 667,000 | 931,000 | 1,277,000 |
| Income tax | 103,000 | 234,000 | 333,000 | 437,000 |
| Net income | 200,000 | 433,000 | 598,000 | 840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,045,000 | 13,278,000 | 13,443,000 | 13,685,000 |
| Total capital | 14,173,000 | 14,399,000 | 14,567,000 | 14,827,000 |
| Risk-weighted assets | 89,482,000 | 89,125,000 | 89,329,000 | 90,846,000 |