Call reports 2005
HIGHLANDS UNION BANK — 2005
What HIGHLANDS UNION BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 572,581,000 | 579,614,000 | 587,858,000 | 594,286,000 |
| Total loans | 392,984,000 | 398,573,000 | 402,790,000 | 408,859,000 |
| Allowance for loan losses | 4,181,000 | 4,238,000 | 4,280,000 | 4,339,000 |
| Securities available for sale | 135,857,000 | 131,133,000 | 129,627,000 | 135,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 480,961,000 | 479,805,000 | 487,578,000 | 490,746,000 |
| Interest-bearing deposits | 406,831,000 | 405,069,000 | 408,269,000 | 406,938,000 |
| Noninterest-bearing deposits | 74,130,000 | 74,736,000 | 79,309,000 | 83,808,000 |
| Equity capital | 38,515,000 | 40,078,000 | 41,016,000 | 39,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,644,000 | 15,605,000 | 23,592,000 | 32,019,000 |
| Interest expense | 3,155,000 | 6,504,000 | 10,090,000 | 13,907,000 |
| Net interest income | 4,489,000 | 9,101,000 | 13,502,000 | 18,112,000 |
| Noninterest income | 929,000 | 1,895,000 | 2,889,000 | 4,132,000 |
| Noninterest expense | 3,770,000 | 7,538,000 | 11,168,000 | 14,892,000 |
| Provision for loan losses | 288,000 | 535,000 | 782,000 | 1,155,000 |
| Pretax income | 1,640,000 | 3,414,000 | 5,000,000 | 6,756,000 |
| Income tax | 295,000 | 759,000 | 1,033,000 | 1,363,000 |
| Net income | 1,345,000 | 2,655,000 | 3,967,000 | 5,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,861,000 | 39,303,000 | 40,732,000 | 39,647,000 |
| Total capital | 42,042,000 | 43,541,000 | 45,012,000 | 43,986,000 |
| Risk-weighted assets | 387,246,000 | 389,771,000 | 395,045,000 | 402,597,000 |