Call reports 2017
HIGHLANDS UNION BANK — 2017
What HIGHLANDS UNION BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 620,171,000 | 617,568,000 | 600,689,000 | 594,378,000 |
| Total loans | 412,175,000 | 426,140,000 | 436,757,000 | 436,072,000 |
| Allowance for loan losses | 4,729,000 | 4,671,000 | 4,694,000 | 3,954,000 |
| Securities available for sale | 96,384,000 | 93,273,000 | 82,943,000 | 78,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 496,490,000 | 497,953,000 | 502,065,000 | 499,744,000 |
| Interest-bearing deposits | 354,867,000 | 351,961,000 | 351,489,000 | 350,151,000 |
| Noninterest-bearing deposits | 141,623,000 | 145,992,000 | 150,576,000 | 149,593,000 |
| Equity capital | 54,524,000 | 55,585,000 | 56,741,000 | 53,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,676,000 | 11,324,000 | 17,092,000 | 22,766,000 |
| Interest expense | 1,031,000 | 2,097,000 | 3,043,000 | 3,839,000 |
| Net interest income | 4,645,000 | 9,227,000 | 14,049,000 | 18,927,000 |
| Noninterest income | 1,291,000 | 2,826,000 | 4,426,000 | 5,795,000 |
| Noninterest expense | 4,435,000 | 9,489,000 | 14,272,000 | 19,113,000 |
| Provision for loan losses | 17,000 | 52,000 | 72,000 | 120,000 |
| Pretax income | 1,484,000 | 2,512,000 | 4,150,000 | 5,508,000 |
| Income tax | 439,000 | 759,000 | 1,313,000 | 5,694,000 |
| Net income | 1,045,000 | 1,753,000 | 2,837,000 | -186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,189,000 | 48,206,000 | 49,911,000 | 49,547,000 |
| Total capital | 51,918,000 | 52,877,000 | 54,605,000 | 53,501,000 |
| Risk-weighted assets | 388,369,000 | 397,836,000 | 409,917,000 | 407,942,000 |