Call reports 2011
HIGHLANDS UNION BANK — 2011
What HIGHLANDS UNION BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 641,639,000 | 635,931,000 | 634,815,000 | 620,609,000 |
| Total loans | 437,872,000 | 429,914,000 | 415,658,000 | 407,805,000 |
| Allowance for loan losses | 12,215,000 | 11,157,000 | 9,938,000 | 9,024,000 |
| Securities available for sale | 58,579,000 | 66,418,000 | 62,091,000 | 64,252,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 534,670,000 | 528,317,000 | 526,157,000 | 516,183,000 |
| Interest-bearing deposits | 442,467,000 | 433,382,000 | 426,983,000 | 416,502,000 |
| Noninterest-bearing deposits | 92,203,000 | 94,935,000 | 99,174,000 | 99,681,000 |
| Equity capital | 36,763,000 | 37,550,000 | 38,647,000 | 34,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,990,000 | 13,902,000 | 20,689,000 | 27,154,000 |
| Interest expense | 2,555,000 | 4,902,000 | 7,206,000 | 9,401,000 |
| Net interest income | 4,435,000 | 9,000,000 | 13,483,000 | 17,753,000 |
| Noninterest income | 803,000 | 1,545,000 | 2,280,000 | 2,929,000 |
| Noninterest expense | 4,769,000 | 9,826,000 | 14,607,000 | 19,578,000 |
| Provision for loan losses | 3,603,000 | 3,789,000 | 4,238,000 | 4,648,000 |
| Pretax income | -3,219,000 | -3,196,000 | -3,100,000 | -3,562,000 |
| Income tax | -1,253,000 | -1,401,000 | -1,524,000 | 2,362,000 |
| Net income | -1,966,000 | -1,795,000 | -1,576,000 | -5,924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,376,000 | 31,969,000 | 32,276,000 | 31,461,000 |
| Total capital | 37,862,000 | 37,335,000 | 37,451,000 | 36,543,000 |
| Risk-weighted assets | 431,817,000 | 424,626,000 | 408,973,000 | 402,615,000 |