Call reports 2019
HIGHLANDS UNION BANK — 2019
What HIGHLANDS UNION BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Total assets | 612,578,000 | 611,782,000 | 575,264,000 |
| Total loans | 443,963,000 | 452,454,000 | 453,471,000 |
| Allowance for loan losses | 4,096,000 | 4,243,000 | 4,168,000 |
| Securities available for sale | 67,559,000 | 66,227,000 | 56,471,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 521,781,000 | 519,409,000 | 511,181,000 |
| Interest-bearing deposits | 371,140,000 | 364,637,000 | 355,987,000 |
| Noninterest-bearing deposits | 150,641,000 | 154,772,000 | 155,194,000 |
| Equity capital | 58,235,000 | 59,705,000 | 60,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Interest income | 6,201,000 | 12,518,000 | 18,901,000 |
| Interest expense | 1,097,000 | 2,327,000 | 3,411,000 |
| Net interest income | 5,104,000 | 10,191,000 | 15,490,000 |
| Noninterest income | 858,000 | 1,718,000 | 2,616,000 |
| Noninterest expense | 4,503,000 | 8,960,000 | 13,544,000 |
| Provision for loan losses | 103,000 | 939,000 | 1,487,000 |
| Pretax income | 1,356,000 | 2,002,000 | 3,095,000 |
| Income tax | 282,000 | 357,000 | 587,000 |
| Net income | 1,074,000 | 1,645,000 | 2,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Tier 1 capital | 55,173,000 | 55,829,000 | 56,875,000 |
| Total capital | 59,269,000 | 60,072,000 | 61,043,000 |
| Risk-weighted assets | 426,306,000 | 433,113,000 | 433,558,000 |