Call reports 2015
HIGHLANDS UNION BANK — 2015
What HIGHLANDS UNION BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 610,978,000 | 610,646,000 | 615,979,000 | 617,647,000 |
| Total loans | 409,116,000 | 413,942,000 | 422,147,000 | 432,082,000 |
| Allowance for loan losses | 5,289,000 | 5,446,000 | 5,333,000 | 5,654,000 |
| Securities available for sale | 85,538,000 | 83,896,000 | 84,464,000 | 79,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,073,000 | 488,226,000 | 492,350,000 | 495,696,000 |
| Interest-bearing deposits | 371,060,000 | 368,614,000 | 372,887,000 | 365,284,000 |
| Noninterest-bearing deposits | 118,013,000 | 119,612,000 | 119,463,000 | 130,412,000 |
| Equity capital | 52,812,000 | 53,635,000 | 54,301,000 | 53,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,790,000 | 11,519,000 | 17,298,000 | 22,760,000 |
| Interest expense | 1,155,000 | 2,293,000 | 3,436,000 | 4,556,000 |
| Net interest income | 4,635,000 | 9,226,000 | 13,862,000 | 18,204,000 |
| Noninterest income | 775,000 | 1,379,000 | 2,583,000 | 2,649,000 |
| Noninterest expense | 4,554,000 | 9,243,000 | 14,307,000 | 19,175,000 |
| Provision for loan losses | 99,000 | 483,000 | 697,000 | 1,470,000 |
| Pretax income | 772,000 | 895,000 | 1,457,000 | 224,000 |
| Income tax | 177,000 | -858,000 | -745,000 | -1,205,000 |
| Net income | 595,000 | 1,753,000 | 2,202,000 | 1,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,606,000 | 44,593,000 | 45,045,000 | 44,573,000 |
| Total capital | 49,457,000 | 49,393,000 | 49,928,000 | 49,588,000 |
| Risk-weighted assets | 382,877,000 | 383,329,000 | 384,712,000 | 395,061,000 |