Call reports 2017
HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION — 2017
What HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 63,265,000 | 63,878,000 | 63,377,000 | 61,944,000 |
| Total loans | 29,314,000 | 27,411,000 | 26,781,000 | 26,678,000 |
| Allowance for loan losses | 265,000 | 261,000 | 267,000 | 273,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,802,000 | 2,617,000 | 2,435,000 | 2,275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,616,000 | 49,163,000 | 48,672,000 | 47,329,000 |
| Interest-bearing deposits | 45,155,000 | 45,395,000 | 44,842,000 | 43,869,000 |
| Noninterest-bearing deposits | 3,461,000 | 3,768,000 | 3,830,000 | 3,460,000 |
| Equity capital | 13,796,000 | 13,811,000 | 13,863,000 | 13,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 443,000 | 906,000 | 1,355,000 | 1,795,000 |
| Interest expense | 22,000 | 43,000 | 67,000 | 88,000 |
| Net interest income | 421,000 | 863,000 | 1,288,000 | 1,707,000 |
| Noninterest income | 120,000 | 259,000 | 409,000 | 518,000 |
| Noninterest expense | 517,000 | 1,059,000 | 1,584,000 | 2,089,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 18,000 | 51,000 | 95,000 | 112,000 |
| Income tax | 11,000 | 28,000 | 20,000 | 123,000 |
| Net income | 7,000 | 23,000 | 75,000 | -11,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,531,000 | 13,543,000 | 13,602,000 | 13,601,000 |
| Total capital | 13,796,000 | 13,804,000 | 13,869,000 | 13,874,000 |
| Risk-weighted assets | 26,482,000 | 24,732,000 | 24,859,000 | 24,387,000 |