Call reports 2018
HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION — 2018
What HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 62,096,000 | 62,608,000 | 62,540,000 | 60,363,000 |
| Total loans | 27,159,000 | 27,385,000 | 27,581,000 | 28,237,000 |
| Allowance for loan losses | 279,000 | 285,000 | 291,000 | 297,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,129,000 | 1,975,000 | 1,828,000 | 1,482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,434,000 | 47,859,000 | 47,788,000 | 45,543,000 |
| Interest-bearing deposits | 43,559,000 | 43,703,000 | 43,676,000 | 41,888,000 |
| Noninterest-bearing deposits | 3,875,000 | 4,156,000 | 4,112,000 | 3,655,000 |
| Equity capital | 13,791,000 | 13,821,000 | 13,875,000 | 13,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 446,000 | 926,000 | 1,438,000 | 1,959,000 |
| Interest expense | 21,000 | 41,000 | 63,000 | 85,000 |
| Net interest income | 425,000 | 885,000 | 1,375,000 | 1,874,000 |
| Noninterest income | 109,000 | 215,000 | 342,000 | 465,000 |
| Noninterest expense | 522,000 | 1,040,000 | 1,578,000 | 2,109,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 6,000 | 48,000 | 121,000 | 206,000 |
| Income tax | -8,000 | 4,000 | 23,000 | 57,000 |
| Net income | 14,000 | 44,000 | 98,000 | 149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,610,000 | 13,634,000 | 13,691,000 | 13,739,000 |
| Total capital | 13,889,000 | 13,919,000 | 13,982,000 | 14,036,000 |
| Risk-weighted assets | 24,547,000 | 24,930,000 | 24,678,000 | 25,154,000 |