Call reports 2014
HIGHLANDS UNION BANK — 2014
What HIGHLANDS UNION BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 605,651,000 | 605,466,000 | 609,395,000 | 605,885,000 |
| Total loans | 406,065,000 | 405,590,000 | 404,584,000 | 406,997,000 |
| Allowance for loan losses | 6,679,000 | 5,673,000 | 5,529,000 | 5,477,000 |
| Securities available for sale | 54,253,000 | 55,640,000 | 83,239,000 | 84,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 494,924,000 | 486,097,000 | 489,058,000 | 484,777,000 |
| Interest-bearing deposits | 380,754,000 | 372,052,000 | 372,824,000 | 365,007,000 |
| Noninterest-bearing deposits | 114,170,000 | 114,045,000 | 116,234,000 | 119,770,000 |
| Equity capital | 41,502,000 | 50,438,000 | 51,267,000 | 52,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,818,000 | 11,426,000 | 17,363,000 | 23,167,000 |
| Interest expense | 1,244,000 | 2,471,000 | 3,697,000 | 4,912,000 |
| Net interest income | 4,574,000 | 8,955,000 | 13,666,000 | 18,255,000 |
| Noninterest income | 850,000 | 1,619,000 | 2,407,000 | 3,330,000 |
| Noninterest expense | 4,351,000 | 8,930,000 | 13,469,000 | 18,062,000 |
| Provision for loan losses | 265,000 | 897,000 | 1,248,000 | 1,324,000 |
| Pretax income | 808,000 | 747,000 | 1,356,000 | 2,200,000 |
| Income tax | 139,000 | -1,030,000 | -983,000 | -778,000 |
| Net income | 669,000 | 1,777,000 | 2,339,000 | 2,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,031,000 | 44,505,000 | 45,548,000 | 46,663,000 |
| Total capital | 40,538,000 | 49,032,000 | 50,075,000 | 51,184,000 |
| Risk-weighted assets | 358,360,000 | 361,047,000 | 361,186,000 | 360,758,000 |