Call reports 2016
HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION — 2016
What HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 63,910,000 | 63,404,000 | 62,981,000 | 62,605,000 |
| Total loans | 31,353,000 | 30,645,000 | 29,831,000 | 29,624,000 |
| Allowance for loan losses | 241,000 | 247,000 | 253,000 | 259,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,665,000 | 3,439,000 | 3,208,000 | 3,005,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,394,000 | 48,861,000 | 48,438,000 | 47,999,000 |
| Interest-bearing deposits | 46,216,000 | 45,134,000 | 44,574,000 | 44,473,000 |
| Noninterest-bearing deposits | 3,178,000 | 3,727,000 | 3,864,000 | 3,526,000 |
| Equity capital | 13,718,000 | 13,708,000 | 13,763,000 | 13,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 467,000 | 910,000 | 1,366,000 | 1,818,000 |
| Interest expense | 25,000 | 49,000 | 73,000 | 97,000 |
| Net interest income | 442,000 | 861,000 | 1,293,000 | 1,721,000 |
| Noninterest income | 135,000 | 237,000 | 392,000 | 543,000 |
| Noninterest expense | 526,000 | 1,052,000 | 1,571,000 | 2,100,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 45,000 | 34,000 | 96,000 | 140,000 |
| Income tax | 16,000 | 16,000 | 23,000 | 41,000 |
| Net income | 29,000 | 18,000 | 73,000 | 99,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,463,000 | 13,449,000 | 13,505,000 | 13,528,000 |
| Total capital | 13,704,000 | 13,696,000 | 13,758,000 | 13,787,000 |
| Risk-weighted assets | 26,970,000 | 26,973,000 | 26,757,000 | 26,201,000 |