Call reports 2003
HIGHLANDS UNION BANK — 2003
What HIGHLANDS UNION BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 500,251,000 | 512,563,000 | 527,718,000 | 539,024,000 |
| Total loans | 340,819,000 | 357,625,000 | 364,688,000 | 374,405,000 |
| Allowance for loan losses | 4,022,000 | 4,135,000 | 4,163,000 | 4,254,000 |
| Securities available for sale | 112,183,000 | 115,067,000 | 110,845,000 | 122,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,261,000 | 441,970,000 | 457,491,000 | 452,111,000 |
| Interest-bearing deposits | 370,949,000 | 379,566,000 | 392,411,000 | 391,167,000 |
| Noninterest-bearing deposits | 59,312,000 | 62,404,000 | 65,080,000 | 60,944,000 |
| Equity capital | 34,000,000 | 35,169,000 | 34,614,000 | 35,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,325,000 | 14,615,000 | 21,918,000 | 29,187,000 |
| Interest expense | 3,166,000 | 6,294,000 | 9,337,000 | 12,262,000 |
| Net interest income | 4,159,000 | 8,321,000 | 12,581,000 | 16,925,000 |
| Noninterest income | 892,000 | 1,871,000 | 2,893,000 | 3,912,000 |
| Noninterest expense | 3,189,000 | 6,505,000 | 9,901,000 | 13,412,000 |
| Provision for loan losses | 470,000 | 980,000 | 1,427,000 | 2,053,000 |
| Pretax income | 1,494,000 | 3,089,000 | 4,531,000 | 5,961,000 |
| Income tax | 338,000 | 676,000 | 950,000 | 1,195,000 |
| Net income | 1,156,000 | 2,413,000 | 3,581,000 | 4,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,285,000 | 33,221,000 | 34,378,000 | 34,254,000 |
| Total capital | 36,270,000 | 37,356,000 | 38,541,000 | 38,508,000 |
| Risk-weighted assets | 318,758,000 | 334,628,000 | 345,899,000 | 354,957,000 |