Call reports 2023
HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION — 2023
What HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 77,783,000 | 75,740,000 | 77,946,000 | 76,495,000 |
| Total loans | 30,370,000 | 33,422,000 | 34,370,000 | 37,325,000 |
| Allowance for loan losses | 269,000 | 269,000 | 269,000 | 269,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,925,000 | 11,786,000 | 9,663,000 | 6,549,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,798,000 | 58,572,000 | 60,733,000 | 59,036,000 |
| Interest-bearing deposits | 55,179,000 | 52,442,000 | 53,468,000 | 52,715,000 |
| Noninterest-bearing deposits | 5,620,000 | 6,130,000 | 7,265,000 | 6,320,000 |
| Equity capital | 15,738,000 | 15,892,000 | 16,094,000 | 16,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 680,000 | 1,443,000 | 2,228,000 | 3,061,000 |
| Interest expense | 109,000 | 249,000 | 413,000 | 616,000 |
| Net interest income | 571,000 | 1,194,000 | 1,815,000 | 2,445,000 |
| Noninterest income | 106,000 | 252,000 | 399,000 | 514,000 |
| Noninterest expense | 483,000 | 1,044,000 | 1,537,000 | 2,064,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 194,000 | 402,000 | 677,000 | 895,000 |
| Income tax | 51,000 | 105,000 | 177,000 | 234,000 |
| Net income | 143,000 | 297,000 | 500,000 | 661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,737,000 | 15,891,000 | 16,094,000 | 16,256,000 |