Call reports 2024
HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION — 2024
What HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 76,989,000 | 77,585,000 | 76,812,000 | 78,117,000 |
| Total loans | 38,888,000 | 37,856,000 | 38,757,000 | 38,702,000 |
| Allowance for loan losses | 269,000 | 269,000 | 269,000 | 269,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,425,000 | 9,232,000 | 11,112,000 | 5,238,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,196,000 | 59,722,000 | 58,937,000 | 59,841,000 |
| Interest-bearing deposits | 53,254,000 | 53,681,000 | 52,865,000 | 53,303,000 |
| Noninterest-bearing deposits | 5,942,000 | 6,042,000 | 6,072,000 | 6,538,000 |
| Equity capital | 16,366,000 | 16,489,000 | 16,697,000 | 16,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 833,000 | 1,745,000 | 2,663,000 | 3,578,000 |
| Interest expense | 222,000 | 454,000 | 694,000 | 935,000 |
| Net interest income | 611,000 | 1,291,000 | 1,969,000 | 2,643,000 |
| Noninterest income | 80,000 | 163,000 | 299,000 | 428,000 |
| Noninterest expense | 543,000 | 1,142,000 | 1,675,000 | 2,222,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 148,000 | 312,000 | 593,000 | 849,000 |
| Income tax | 39,000 | 79,000 | 153,000 | 219,000 |
| Net income | 109,000 | 233,000 | 440,000 | 630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,365,000 | 16,489,000 | 16,697,000 | 16,886,000 |