Call reports 2019
HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION — 2019
What HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 60,634,000 | 61,423,000 | 62,220,000 | 61,506,000 |
| Total loans | 29,345,000 | 30,007,000 | 31,131,000 | 32,405,000 |
| Allowance for loan losses | 303,000 | 184,000 | 190,000 | 199,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,364,000 | 1,245,000 | 1,133,000 | 1,027,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,699,000 | 46,343,000 | 47,081,000 | 46,292,000 |
| Interest-bearing deposits | 42,033,000 | 42,381,000 | 42,737,000 | 42,475,000 |
| Noninterest-bearing deposits | 3,666,000 | 3,962,000 | 4,344,000 | 3,817,000 |
| Equity capital | 13,983,000 | 14,046,000 | 14,171,000 | 14,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 531,000 | 1,080,000 | 1,664,000 | 2,222,000 |
| Interest expense | 23,000 | 55,000 | 90,000 | 128,000 |
| Net interest income | 508,000 | 1,025,000 | 1,574,000 | 2,094,000 |
| Noninterest income | 113,000 | 358,000 | 494,000 | 636,000 |
| Noninterest expense | 532,000 | 1,198,000 | 1,758,000 | 2,299,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 27,000 |
| Pretax income | 83,000 | 173,000 | 292,000 | 404,000 |
| Income tax | 26,000 | 53,000 | 47,000 | 78,000 |
| Net income | 57,000 | 120,000 | 245,000 | 326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,794,000 | 13,854,000 | 13,970,000 | 14,048,000 |
| Total capital | 14,097,000 | 14,038,000 | 14,160,000 | 14,247,000 |
| Risk-weighted assets | 26,339,000 | 26,346,000 | 27,015,000 | 28,679,000 |