Call reports 2014
HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION — 2014
What HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 64,618,000 | 64,012,000 | 63,755,000 | 62,693,000 |
| Total loans | 37,024,000 | 36,521,000 | 35,523,000 | 34,399,000 |
| Allowance for loan losses | 244,000 | 250,000 | 256,000 | 262,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,530,000 | 4,443,000 | 5,246,000 | 4,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,393,000 | 49,682,000 | 49,442,000 | 48,315,000 |
| Interest-bearing deposits | 47,280,000 | 46,666,000 | 46,081,000 | 45,156,000 |
| Noninterest-bearing deposits | 3,113,000 | 3,016,000 | 3,361,000 | 3,159,000 |
| Equity capital | 13,543,000 | 13,592,000 | 13,607,000 | 13,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 495,000 | 989,000 | 1,474,000 | 1,947,000 |
| Interest expense | 33,000 | 63,000 | 93,000 | 119,000 |
| Net interest income | 462,000 | 926,000 | 1,381,000 | 1,828,000 |
| Noninterest income | 37,000 | 185,000 | 329,000 | 471,000 |
| Noninterest expense | 542,000 | 1,089,000 | 1,646,000 | 2,171,000 |
| Provision for loan losses | 6,000 | 12,000 | 31,000 | 37,000 |
| Pretax income | -49,000 | 10,000 | 33,000 | 91,000 |
| Income tax | -14,000 | -4,000 | 5,000 | 25,000 |
| Net income | -35,000 | 14,000 | 28,000 | 66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,543,000 | 13,592,000 | 13,607,000 | 13,644,000 |
| Total capital | 13,787,000 | 13,842,000 | 13,863,000 | 13,906,000 |
| Risk-weighted assets | 31,742,000 | 31,436,000 | 30,840,000 | 30,458,000 |