Call reports 2001
HIGHLANDS UNION BANK — 2001
What HIGHLANDS UNION BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 412,142,000 | 424,406,000 | 446,772,000 | 450,006,000 |
| Total loans | 298,331,000 | 304,893,000 | 313,380,000 | 322,535,000 |
| Allowance for loan losses | 3,028,000 | 3,140,000 | 3,203,000 | 3,399,000 |
| Securities available for sale | 81,962,000 | 81,103,000 | 90,327,000 | 98,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,326,000 | 370,602,000 | 391,399,000 | 394,130,000 |
| Interest-bearing deposits | 308,588,000 | 322,857,000 | 340,076,000 | 341,937,000 |
| Noninterest-bearing deposits | 49,738,000 | 47,745,000 | 51,323,000 | 52,193,000 |
| Equity capital | 26,705,000 | 27,345,000 | 28,711,000 | 29,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 8,225,000 | 16,345,000 | 24,513,000 | 32,699,000 |
| Interest expense | 4,747,000 | 9,482,000 | 14,063,000 | 18,193,000 |
| Net interest income | 3,478,000 | 6,863,000 | 10,450,000 | 14,506,000 |
| Noninterest income | 613,000 | 1,343,000 | 1,979,000 | 2,619,000 |
| Noninterest expense | 2,739,000 | 5,515,000 | 8,352,000 | 11,418,000 |
| Provision for loan losses | 430,000 | 753,000 | 1,007,000 | 1,448,000 |
| Pretax income | 1,074,000 | 2,197,000 | 3,480,000 | 4,753,000 |
| Income tax | 280,000 | 537,000 | 851,000 | 1,107,000 |
| Net income | 794,000 | 1,660,000 | 2,629,000 | 3,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,966,000 | 26,819,000 | 27,811,000 | 28,744,000 |
| Total capital | 28,994,000 | 29,959,000 | 31,014,000 | 32,143,000 |
| Risk-weighted assets | 277,569,000 | 288,028,000 | 298,389,000 | 300,048,000 |