Call reports 2012
HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION — 2012
What HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 65,674,000 | 64,744,000 | 64,504,000 | 63,957,000 |
| Total loans | 33,091,000 | 31,995,000 | 32,428,000 | 32,849,000 |
| Allowance for loan losses | 279,000 | 285,000 | 274,000 | 273,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 553,000 | 1,807,000 | 1,706,000 | 1,605,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,603,000 | 50,585,000 | 50,307,000 | 49,739,000 |
| Interest-bearing deposits | 48,808,000 | 47,330,000 | 47,713,000 | 47,391,000 |
| Noninterest-bearing deposits | 2,795,000 | 3,255,000 | 2,594,000 | 2,348,000 |
| Equity capital | 13,342,000 | 13,392,000 | 13,463,000 | 13,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 564,000 | 1,091,000 | 1,611,000 | 2,126,000 |
| Interest expense | 66,000 | 118,000 | 168,000 | 210,000 |
| Net interest income | 498,000 | 973,000 | 1,443,000 | 1,916,000 |
| Noninterest income | 161,000 | 314,000 | 512,000 | 650,000 |
| Noninterest expense | 521,000 | 1,063,000 | 1,653,000 | 2,196,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 132,000 | 212,000 | 284,000 | 346,000 |
| Income tax | 56,000 | 87,000 | 89,000 | 112,000 |
| Net income | 76,000 | 125,000 | 195,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,342,000 | 13,392,000 | 13,463,000 | 13,501,000 |
| Total capital | 13,621,000 | 13,677,000 | 13,737,000 | 13,774,000 |
| Risk-weighted assets | 32,293,000 | 28,121,000 | 28,394,000 | 28,468,000 |