Call reports 2006
HIGHLANDS UNION BANK — 2006
What HIGHLANDS UNION BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 594,831,000 | 613,841,000 | 624,641,000 | 627,993,000 |
| Total loans | 410,447,000 | 421,229,000 | 431,147,000 | 435,494,000 |
| Allowance for loan losses | 4,318,000 | 4,440,000 | 4,521,000 | 4,540,000 |
| Securities available for sale | 137,450,000 | 139,970,000 | 140,770,000 | 137,984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 491,721,000 | 492,183,000 | 499,735,000 | 501,436,000 |
| Interest-bearing deposits | 407,249,000 | 406,763,000 | 415,835,000 | 420,638,000 |
| Noninterest-bearing deposits | 84,472,000 | 85,420,000 | 83,900,000 | 80,798,000 |
| Equity capital | 41,291,000 | 41,914,000 | 44,486,000 | 46,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,501,000 | 17,534,000 | 27,026,000 | 36,833,000 |
| Interest expense | 3,938,000 | 8,234,000 | 12,937,000 | 17,907,000 |
| Net interest income | 4,563,000 | 9,300,000 | 14,089,000 | 18,926,000 |
| Noninterest income | 1,004,000 | 2,163,000 | 3,382,000 | 4,497,000 |
| Noninterest expense | 3,684,000 | 7,582,000 | 11,562,000 | 15,688,000 |
| Provision for loan losses | 223,000 | 579,000 | 896,000 | 1,142,000 |
| Pretax income | 1,683,000 | 3,325,000 | 5,036,000 | 6,692,000 |
| Income tax | 300,000 | 589,000 | 867,000 | 1,108,000 |
| Net income | 1,383,000 | 2,736,000 | 4,169,000 | 5,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,109,000 | 42,896,000 | 44,411,000 | 45,926,000 |
| Total capital | 45,428,000 | 47,336,000 | 48,932,000 | 50,466,000 |
| Risk-weighted assets | 405,595,000 | 417,826,000 | 431,109,000 | 435,121,000 |