Call reports 2004
HIGHLANDS UNION BANK — 2004
What HIGHLANDS UNION BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 547,897,000 | 546,688,000 | 571,683,000 | 562,917,000 |
| Total loans | 375,859,000 | 379,754,000 | 390,360,000 | 388,856,000 |
| Allowance for loan losses | 4,259,000 | 4,298,000 | 4,350,000 | 4,161,000 |
| Securities available for sale | 133,185,000 | 123,855,000 | 130,154,000 | 128,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 455,025,000 | 457,588,000 | 468,694,000 | 472,564,000 |
| Interest-bearing deposits | 389,883,000 | 389,234,000 | 394,505,000 | 395,982,000 |
| Noninterest-bearing deposits | 65,142,000 | 68,354,000 | 74,189,000 | 76,582,000 |
| Equity capital | 37,667,000 | 35,933,000 | 38,946,000 | 37,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,289,000 | 14,462,000 | 21,732,000 | 29,214,000 |
| Interest expense | 2,827,000 | 5,607,000 | 8,494,000 | 11,576,000 |
| Net interest income | 4,462,000 | 8,855,000 | 13,238,000 | 17,638,000 |
| Noninterest income | 942,000 | 1,949,000 | 3,018,000 | 4,016,000 |
| Noninterest expense | 3,581,000 | 7,217,000 | 10,970,000 | 14,809,000 |
| Provision for loan losses | 348,000 | 689,000 | 1,062,000 | 1,300,000 |
| Pretax income | 1,528,000 | 3,101,000 | 4,591,000 | 5,945,000 |
| Income tax | 275,000 | 564,000 | 819,000 | 1,042,000 |
| Net income | 1,253,000 | 2,537,000 | 3,772,000 | 4,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,937,000 | 36,759,000 | 38,471,000 | 37,156,000 |
| Total capital | 40,196,000 | 41,057,000 | 42,821,000 | 41,317,000 |
| Risk-weighted assets | 359,615,000 | 363,615,000 | 372,352,000 | 377,114,000 |