Call reports 2015
HIGHLAND COMMERCIAL BANK — 2015
What HIGHLAND COMMERCIAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Total assets | 129,628,000 | 129,983,000 |
| Total loans | 83,381,000 | 85,560,000 |
| Allowance for loan losses | 1,663,000 | 1,684,000 |
| Securities available for sale | 12,049,000 | 12,586,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 109,933,000 | 110,058,000 |
| Interest-bearing deposits | 88,732,000 | 87,864,000 |
| Noninterest-bearing deposits | 21,201,000 | 22,194,000 |
| Equity capital | 13,963,000 | 14,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Interest income | 1,245,000 | 2,516,000 |
| Interest expense | 164,000 | 328,000 |
| Net interest income | 1,081,000 | 2,188,000 |
| Noninterest income | 140,000 | 260,000 |
| Noninterest expense | 865,000 | 1,704,000 |
| Provision for loan losses | 20,000 | 40,000 |
| Pretax income | 338,000 | 706,000 |
| Income tax | 125,000 | 253,000 |
| Net income | 213,000 | 453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Tier 1 capital | 13,898,000 | 14,138,000 |
| Total capital | 15,036,000 | 15,291,000 |
| Risk-weighted assets | 90,541,000 | 91,762,000 |