Call reports 2020
HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION — 2020
What HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 62,508,000 | 65,944,000 | 65,326,000 | 66,604,000 |
| Total loans | 32,727,000 | 31,319,000 | 28,334,000 | 25,128,000 |
| Allowance for loan losses | 208,000 | 217,000 | 226,000 | 235,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 926,000 | 825,000 | 733,000 | 651,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,198,000 | 50,339,000 | 49,638,000 | 50,912,000 |
| Interest-bearing deposits | 42,948,000 | 44,765,000 | 44,383,000 | 45,723,000 |
| Noninterest-bearing deposits | 4,250,000 | 5,574,000 | 5,255,000 | 5,189,000 |
| Equity capital | 14,295,000 | 14,485,000 | 14,682,000 | 14,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 521,000 | 1,079,000 | 1,569,000 | 1,975,000 |
| Interest expense | 39,000 | 75,000 | 106,000 | 133,000 |
| Net interest income | 482,000 | 1,004,000 | 1,463,000 | 1,842,000 |
| Noninterest income | 146,000 | 471,000 | 803,000 | 1,039,000 |
| Noninterest expense | 555,000 | 1,134,000 | 1,658,000 | 2,192,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 64,000 | 323,000 | 581,000 | 653,000 |
| Income tax | 21,000 | 90,000 | 150,000 | 172,000 |
| Net income | 43,000 | 233,000 | 431,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,089,000 | 14,276,000 | 14,472,000 | 14,520,000 |
| Total capital | 14,297,000 | 14,493,000 | 14,698,000 | 14,755,000 |
| Risk-weighted assets | 28,597,000 | 28,789,000 | 27,049,000 | 25,610,000 |