Call reports 2010
HIGHLANDS UNION BANK — 2010
What HIGHLANDS UNION BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 647,430,000 | 648,685,000 | 651,433,000 | 655,625,000 |
| Total loans | 494,144,000 | 482,013,000 | 468,578,000 | 450,594,000 |
| Allowance for loan losses | 12,008,000 | 11,004,000 | 9,562,000 | 10,320,000 |
| Securities available for sale | 68,347,000 | 62,358,000 | 61,589,000 | 56,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 528,337,000 | 528,828,000 | 531,870,000 | 539,574,000 |
| Interest-bearing deposits | 441,315,000 | 442,280,000 | 443,054,000 | 450,972,000 |
| Noninterest-bearing deposits | 87,022,000 | 86,548,000 | 88,816,000 | 88,602,000 |
| Equity capital | 40,452,000 | 41,087,000 | 41,634,000 | 38,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,999,000 | 15,875,000 | 23,417,000 | 30,736,000 |
| Interest expense | 3,102,000 | 6,130,000 | 9,145,000 | 11,944,000 |
| Net interest income | 4,897,000 | 9,745,000 | 14,272,000 | 18,792,000 |
| Noninterest income | 781,000 | 1,671,000 | 2,193,000 | 2,061,000 |
| Noninterest expense | 4,590,000 | 9,288,000 | 13,336,000 | 18,402,000 |
| Provision for loan losses | 1,212,000 | 1,891,000 | 2,993,000 | 4,799,000 |
| Pretax income | -125,000 | -316,000 | -998,000 | -3,774,000 |
| Income tax | -299,000 | -633,000 | -1,080,000 | -2,265,000 |
| Net income | 174,000 | 317,000 | 82,000 | -1,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,713,000 | 43,798,000 | 41,204,000 | 39,728,000 |
| Total capital | 50,008,000 | 49,941,000 | 47,114,000 | 45,388,000 |
| Risk-weighted assets | 497,958,000 | 486,549,000 | 469,050,000 | 448,110,000 |