Vitals
  • Total Assets
    138.1M 4.2 %
  • Total Deposits
    120.6M 4.4 %
  • Total Net Loans
    78.5M 14.4 %
  • Net Income
    1.6M 0.5 %
  • Book Value
    17.0M 4.0 %
  • Book Value x2
    34.0M 4.0 %
  • Book Value x3
    51.0M 4.0 %
ROAA

1.152

ROAE

9.212

Efficiency Ratio

56.947

Net Interest Margin

4.204

Balance Sheet Highlights
Financial Highlights Highlands Community Bank All Insured Commercial Banks in Virginia
Balance Sheet $(000)
Total Assets 138,058 858,303
Total Net Loans 78,488 607,607
Total Deposits 120,633 699,932
Total Equity 17,016 97,657
Profitability
Net Income 1,570 7,896
Return on Average Assets 1.152 .794
Return on Average Equity 9.212 6.983
Net Interest Margin 4.204 3.805
Efficiency Ratio 56.947 71.157
Noninterest Income/Revenue 7.36 16.327
Balance Sheet Ratios
Loan-to-Deposit 65.064 84.705
Securities/Assets .343 .136
Total Equity/Total Assets .123 .114
Tangible Equity/Tangible Assets .123 .103
Capital Adequacy
Tier 1 Common Capital 16,616 87,521
Tier 1 Capital 16,616 87,589
Tier 2 Capital 1,013 6,159
Total Capital 17,629 93,977
Total Risk Weighted Assets 86,321 657,024
Leverage Ratio 12.01 10.765
Common Equity Tier 1 Capital Ratio 19.25 14.768
Tier 1 Capital Ratio 19.25 14.769
Total Capital Ratio 20.42 15.893

Timeline for Highlands Community Bank

Highlands Community Bank

Highlands Community Bank was established 21 years ago and is currently headquartered in Covington, VA.

Sep 16 2002

Community First Financial Corporation

Community First Financial Corporation became a new parent organization for Highlands Community Bank.

View Profile Sep 16 2002
Relationships Role Relationship Start Relationship End
Community First Financial Corporation Parent 9/16/2002 7/26/2004
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