Call reports 2015
HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION — 2015
What HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 62,911,000 | 63,358,000 | 63,477,000 | 63,701,000 |
| Total loans | 32,182,000 | 32,373,000 | 31,793,000 | 31,345,000 |
| Allowance for loan losses | 268,000 | 260,000 | 266,000 | 235,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,705,000 | 4,436,000 | 4,155,000 | 3,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,469,000 | 48,888,000 | 49,044,000 | 49,270,000 |
| Interest-bearing deposits | 45,415,000 | 46,077,000 | 45,918,000 | 46,363,000 |
| Noninterest-bearing deposits | 3,054,000 | 2,811,000 | 3,126,000 | 2,907,000 |
| Equity capital | 13,661,000 | 13,649,000 | 13,695,000 | 13,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 466,000 | 912,000 | 1,380,000 | 1,818,000 |
| Interest expense | 26,000 | 55,000 | 77,000 | 103,000 |
| Net interest income | 440,000 | 857,000 | 1,303,000 | 1,715,000 |
| Noninterest income | 136,000 | 271,000 | 415,000 | 551,000 |
| Noninterest expense | 535,000 | 1,097,000 | 1,636,000 | 2,179,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 35,000 | 19,000 | 64,000 | 63,000 |
| Income tax | 18,000 | 14,000 | 13,000 | 18,000 |
| Net income | 17,000 | 5,000 | 51,000 | 45,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,409,000 | 13,393,000 | 13,447,000 | 13,439,000 |
| Total capital | 13,677,000 | 13,653,000 | 13,713,000 | 13,674,000 |
| Risk-weighted assets | 28,370,000 | 28,073,000 | 27,333,000 | 27,053,000 |