Call reports 2009
HIGHLANDS UNION BANK — 2009
What HIGHLANDS UNION BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 677,587,000 | 669,115,000 | 657,925,000 | 645,569,000 |
| Total loans | 489,225,000 | 490,062,000 | 491,418,000 | 486,119,000 |
| Allowance for loan losses | 5,311,000 | 5,233,000 | 5,480,000 | 11,681,000 |
| Securities available for sale | 102,340,000 | 90,705,000 | 91,585,000 | 70,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 531,945,000 | 521,973,000 | 510,161,000 | 521,604,000 |
| Interest-bearing deposits | 448,987,000 | 435,862,000 | 425,503,000 | 435,839,000 |
| Noninterest-bearing deposits | 82,958,000 | 86,111,000 | 84,658,000 | 85,765,000 |
| Equity capital | 42,316,000 | 44,264,000 | 47,045,000 | 40,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,215,000 | 18,023,000 | 26,220,000 | 34,475,000 |
| Interest expense | 4,207,000 | 8,253,000 | 12,057,000 | 15,712,000 |
| Net interest income | 5,008,000 | 9,770,000 | 14,163,000 | 18,763,000 |
| Noninterest income | 1,527,000 | 2,834,000 | 3,862,000 | 4,123,000 |
| Noninterest expense | 5,033,000 | 9,646,000 | 14,384,000 | 19,154,000 |
| Provision for loan losses | 389,000 | 742,000 | 1,469,000 | 9,614,000 |
| Pretax income | 1,214,000 | 2,401,000 | 308,000 | -10,970,000 |
| Income tax | -71,000 | -104,000 | -1,091,000 | -5,234,000 |
| Net income | 1,285,000 | 2,505,000 | 1,399,000 | -5,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,459,000 | 51,683,000 | 50,755,000 | 43,505,000 |
| Total capital | 55,770,000 | 56,916,000 | 56,268,000 | 49,677,000 |
| Risk-weighted assets | 548,157,000 | 550,376,000 | 525,865,000 | 488,279,000 |