Call reports 2018
HIGHLANDS UNION BANK — 2018
What HIGHLANDS UNION BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 596,131,000 | 583,873,000 | 593,714,000 | 591,931,000 |
| Total loans | 433,060,000 | 442,884,000 | 454,134,000 | 448,817,000 |
| Allowance for loan losses | 4,000,000 | 4,138,000 | 4,226,000 | 4,373,000 |
| Securities available for sale | 74,139,000 | 70,787,000 | 70,150,000 | 68,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 511,472,000 | 499,479,000 | 495,730,000 | 503,585,000 |
| Interest-bearing deposits | 352,839,000 | 343,393,000 | 341,082,000 | 346,541,000 |
| Noninterest-bearing deposits | 158,633,000 | 156,086,000 | 154,648,000 | 157,044,000 |
| Equity capital | 53,086,000 | 53,803,000 | 54,480,000 | 56,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,864,000 | 11,636,000 | 17,643,000 | 23,938,000 |
| Interest expense | 827,000 | 1,614,000 | 2,404,000 | 3,407,000 |
| Net interest income | 5,037,000 | 10,022,000 | 15,239,000 | 20,531,000 |
| Noninterest income | 941,000 | 1,778,000 | 2,752,000 | 3,867,000 |
| Noninterest expense | 4,973,000 | 9,395,000 | 13,952,000 | 18,922,000 |
| Provision for loan losses | 173,000 | 344,000 | 542,000 | 738,000 |
| Pretax income | 832,000 | 2,061,000 | 3,497,000 | 4,738,000 |
| Income tax | 170,000 | 417,000 | 707,000 | 949,000 |
| Net income | 662,000 | 1,644,000 | 2,790,000 | 3,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,379,000 | 51,607,000 | 52,971,000 | 54,292,000 |
| Total capital | 54,379,000 | 55,745,000 | 57,197,000 | 58,665,000 |
| Risk-weighted assets | 415,187,000 | 422,176,000 | 430,788,000 | 441,078,000 |
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