Call reports 2007
HIGHLANDS UNION BANK — 2007
What HIGHLANDS UNION BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 643,637,000 | 640,688,000 | 659,510,000 | 658,242,000 |
| Total loans | 437,527,000 | 439,585,000 | 446,965,000 | 451,291,000 |
| Allowance for loan losses | 4,559,000 | 4,563,000 | 4,604,000 | 4,630,000 |
| Securities available for sale | 140,339,000 | 141,468,000 | 138,779,000 | 131,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 514,689,000 | 509,476,000 | 516,006,000 | 518,050,000 |
| Interest-bearing deposits | 433,411,000 | 422,415,000 | 427,357,000 | 428,778,000 |
| Noninterest-bearing deposits | 81,278,000 | 87,061,000 | 88,649,000 | 89,272,000 |
| Equity capital | 47,787,000 | 46,812,000 | 48,554,000 | 45,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,946,000 | 20,024,000 | 30,055,000 | 40,285,000 |
| Interest expense | 5,078,000 | 10,212,000 | 15,523,000 | 20,816,000 |
| Net interest income | 4,868,000 | 9,812,000 | 14,532,000 | 19,469,000 |
| Noninterest income | 1,013,000 | 2,121,000 | 3,151,000 | 4,164,000 |
| Noninterest expense | 4,111,000 | 8,294,000 | 12,439,000 | 16,748,000 |
| Provision for loan losses | 210,000 | 358,000 | 451,000 | 710,000 |
| Pretax income | 1,560,000 | 3,281,000 | 4,828,000 | 6,255,000 |
| Income tax | 229,000 | 477,000 | 657,000 | 810,000 |
| Net income | 1,331,000 | 2,804,000 | 4,171,000 | 5,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,431,000 | 47,797,000 | 49,003,000 | 45,177,000 |
| Total capital | 51,990,000 | 52,360,000 | 53,607,000 | 49,807,000 |
| Risk-weighted assets | 442,156,000 | 446,283,000 | 456,281,000 | 451,002,000 |