Call reports 2013
HIGHLANDS UNION BANK — 2013
What HIGHLANDS UNION BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 597,971,000 | 599,035,000 | 597,106,000 | 598,771,000 |
| Total loans | 395,188,000 | 401,022,000 | 400,151,000 | 403,787,000 |
| Allowance for loan losses | 7,435,000 | 7,363,000 | 7,025,000 | 6,825,000 |
| Securities available for sale | 57,573,000 | 56,791,000 | 57,353,000 | 55,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 491,025,000 | 490,595,000 | 489,196,000 | 489,222,000 |
| Interest-bearing deposits | 384,952,000 | 383,158,000 | 380,394,000 | 381,050,000 |
| Noninterest-bearing deposits | 106,073,000 | 107,437,000 | 108,802,000 | 108,172,000 |
| Equity capital | 37,720,000 | 39,315,000 | 38,690,000 | 40,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,817,000 | 11,605,000 | 17,367,000 | 23,183,000 |
| Interest expense | 1,366,000 | 2,711,000 | 4,032,000 | 5,340,000 |
| Net interest income | 4,451,000 | 8,894,000 | 13,335,000 | 17,843,000 |
| Noninterest income | 1,005,000 | 1,807,000 | 1,599,000 | 1,940,000 |
| Noninterest expense | 4,517,000 | 8,979,000 | 13,634,000 | 18,144,000 |
| Provision for loan losses | 219,000 | 568,000 | 1,120,000 | 1,320,000 |
| Pretax income | 716,000 | 1,150,000 | 176,000 | -439,000 |
| Income tax | 116,000 | -1,862,000 | -2,314,000 | -2,680,000 |
| Net income | 600,000 | 3,012,000 | 2,490,000 | 2,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,786,000 | 35,204,000 | 34,553,000 | 34,975,000 |
| Total capital | 39,682,000 | 40,135,000 | 39,449,000 | 39,477,000 |
| Risk-weighted assets | 389,301,000 | 392,098,000 | 389,511,000 | 357,826,000 |