Call reports 2012
HIGHLANDS UNION BANK — 2012
What HIGHLANDS UNION BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 611,705,000 | 599,335,000 | 599,006,000 | 592,525,000 |
| Total loans | 401,297,000 | 400,757,000 | 397,884,000 | 390,498,000 |
| Allowance for loan losses | 8,928,000 | 8,050,000 | 7,849,000 | 7,449,000 |
| Securities available for sale | 61,438,000 | 61,307,000 | 59,789,000 | 57,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 506,717,000 | 493,417,000 | 492,614,000 | 486,201,000 |
| Interest-bearing deposits | 400,081,000 | 390,063,000 | 384,094,000 | 379,502,000 |
| Noninterest-bearing deposits | 106,636,000 | 103,354,000 | 108,520,000 | 106,699,000 |
| Equity capital | 35,384,000 | 36,282,000 | 37,038,000 | 37,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,426,000 | 12,948,000 | 19,103,000 | 25,151,000 |
| Interest expense | 2,005,000 | 3,824,000 | 5,476,000 | 6,940,000 |
| Net interest income | 4,421,000 | 9,124,000 | 13,627,000 | 18,211,000 |
| Noninterest income | 1,173,000 | 2,165,000 | 3,119,000 | 3,334,000 |
| Noninterest expense | 4,312,000 | 9,114,000 | 13,597,000 | 18,287,000 |
| Provision for loan losses | 505,000 | 621,000 | 857,000 | 958,000 |
| Pretax income | 612,000 | 1,592,000 | 2,787,000 | 2,795,000 |
| Income tax | 56,000 | 246,000 | 519,000 | 220,000 |
| Net income | 556,000 | 1,346,000 | 2,268,000 | 2,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,022,000 | 32,818,000 | 33,745,000 | 34,057,000 |
| Total capital | 36,972,000 | 37,754,000 | 38,732,000 | 38,931,000 |
| Risk-weighted assets | 391,520,000 | 391,758,000 | 396,099,000 | 387,317,000 |