Call reports 2016
HIGHLANDS UNION BANK — 2016
What HIGHLANDS UNION BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 618,380,000 | 602,891,000 | 612,934,000 | 614,081,000 |
| Total loans | 428,151,000 | 418,577,000 | 412,854,000 | 410,925,000 |
| Allowance for loan losses | 5,825,000 | 5,202,000 | 5,004,000 | 4,829,000 |
| Securities available for sale | 83,599,000 | 98,732,000 | 96,860,000 | 95,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 494,035,000 | 478,948,000 | 489,075,000 | 491,617,000 |
| Interest-bearing deposits | 364,982,000 | 356,092,000 | 356,159,000 | 355,571,000 |
| Noninterest-bearing deposits | 129,053,000 | 122,856,000 | 132,916,000 | 136,046,000 |
| Equity capital | 55,387,000 | 55,209,000 | 55,051,000 | 53,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,934,000 | 11,716,000 | 17,497,000 | 23,388,000 |
| Interest expense | 1,045,000 | 2,083,000 | 3,125,000 | 4,175,000 |
| Net interest income | 4,889,000 | 9,633,000 | 14,372,000 | 19,213,000 |
| Noninterest income | 950,000 | 1,452,000 | 2,223,000 | 3,261,000 |
| Noninterest expense | 4,929,000 | 10,221,000 | 15,606,000 | 21,259,000 |
| Provision for loan losses | 225,000 | 1,313,000 | 1,486,000 | 1,526,000 |
| Pretax income | 720,000 | -402,000 | -450,000 | -264,000 |
| Income tax | 191,000 | -257,000 | -330,000 | -360,000 |
| Net income | 529,000 | -145,000 | -120,000 | 96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,127,000 | 45,454,000 | 45,478,000 | 45,694,000 |
| Total capital | 51,091,000 | 50,335,000 | 50,318,000 | 50,523,000 |
| Risk-weighted assets | 392,704,000 | 386,596,000 | 383,485,000 | 387,925,000 |