Call reports 2022
HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION — 2022
What HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 73,919,000 | 76,933,000 | 78,325,000 | 76,465,000 |
| Total loans | 23,091,000 | 24,070,000 | 25,987,000 | 28,816,000 |
| Allowance for loan losses | 269,000 | 269,000 | 269,000 | 269,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,766,000 | 16,527,000 | 20,271,000 | 17,068,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,225,000 | 60,422,000 | 62,113,000 | 59,962,000 |
| Interest-bearing deposits | 51,952,000 | 54,274,000 | 55,721,000 | 54,270,000 |
| Noninterest-bearing deposits | 6,273,000 | 6,148,000 | 6,392,000 | 5,692,000 |
| Equity capital | 14,748,000 | 15,266,000 | 15,390,000 | 15,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 309,000 | 718,000 | 1,241,000 | 1,766,000 |
| Interest expense | 13,000 | 27,000 | 39,000 | 72,000 |
| Net interest income | 296,000 | 691,000 | 1,202,000 | 1,694,000 |
| Noninterest income | 148,000 | 295,000 | 412,000 | 672,000 |
| Noninterest expense | 478,000 | 945,000 | 1,408,000 | 1,885,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -34,000 | 41,000 | 206,000 | 481,000 |
| Income tax | -7,000 | 11,000 | 52,000 | 122,000 |
| Net income | -27,000 | 30,000 | 154,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,538,000 | 15,266,000 | 15,390,000 | 15,594,000 |
| Total capital | 14,807,000 | — | 15,659,000 | 15,863,000 |
| Risk-weighted assets | 24,469,000 | — | 28,505,000 | 32,021,000 |