Call reports 2021
HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION — 2021
What HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 70,369,000 | 73,455,000 | 71,870,000 | 71,038,000 |
| Total loans | 23,378,000 | 21,210,000 | 21,675,000 | 21,530,000 |
| Allowance for loan losses | 244,000 | 253,000 | 262,000 | 269,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 568,000 | 3,131,000 | 4,062,000 | 3,893,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,606,000 | 57,714,000 | 56,247,000 | 55,419,000 |
| Interest-bearing deposits | 48,370,000 | 50,890,000 | 49,246,000 | 49,603,000 |
| Noninterest-bearing deposits | 6,236,000 | 6,824,000 | 7,001,000 | 5,817,000 |
| Equity capital | 14,780,000 | 14,764,000 | 14,774,000 | 14,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 367,000 | 701,000 | 1,044,000 | 1,375,000 |
| Interest expense | 21,000 | 36,000 | 50,000 | 64,000 |
| Net interest income | 346,000 | 665,000 | 994,000 | 1,311,000 |
| Noninterest income | 232,000 | 412,000 | 602,000 | 780,000 |
| Noninterest expense | 501,000 | 1,008,000 | 1,500,000 | 1,982,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 34,000 |
| Pretax income | 68,000 | 51,000 | 69,000 | 75,000 |
| Income tax | 21,000 | 21,000 | 29,000 | 34,000 |
| Net income | 47,000 | 30,000 | 40,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,566,000 | 14,549,000 | 14,565,000 | 14,565,000 |
| Total capital | 14,810,000 | 14,802,000 | 14,827,000 | 14,834,000 |
| Risk-weighted assets | 26,126,000 | 25,108,000 | 25,557,000 | 25,062,000 |