Call reports 2013
HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION — 2013
What HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 64,489,000 | 64,750,000 | 64,640,000 | 64,395,000 |
| Total loans | 34,189,000 | 36,645,000 | 37,311,000 | 37,869,000 |
| Allowance for loan losses | 279,000 | 285,000 | 291,000 | 297,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,553,000 | 3,470,000 | 3,278,000 | 3,134,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,237,000 | 50,449,000 | 50,413,000 | 50,152,000 |
| Interest-bearing deposits | 47,507,000 | 47,829,000 | 47,158,000 | 47,289,000 |
| Noninterest-bearing deposits | 2,730,000 | 2,620,000 | 3,255,000 | 2,863,000 |
| Equity capital | 13,526,000 | 13,549,000 | 13,560,000 | 13,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 498,000 | 1,005,000 | 1,516,000 | 2,013,000 |
| Interest expense | 37,000 | 73,000 | 108,000 | 142,000 |
| Net interest income | 461,000 | 932,000 | 1,408,000 | 1,871,000 |
| Noninterest income | 125,000 | 249,000 | 341,000 | 458,000 |
| Noninterest expense | 542,000 | 1,098,000 | 1,659,000 | 2,213,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 38,000 | 71,000 | 72,000 | 92,000 |
| Income tax | 13,000 | 23,000 | 13,000 | 15,000 |
| Net income | 25,000 | 48,000 | 59,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,526,000 | 13,549,000 | 13,560,000 | 13,578,000 |
| Total capital | 13,805,000 | 13,834,000 | 13,851,000 | 13,875,000 |
| Risk-weighted assets | 29,861,000 | 30,944,000 | 31,662,000 | 32,458,000 |