Call reports 2025
HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION — 2025
What HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 78,907,000 | 78,844,000 | 76,650,000 | 76,228,000 |
| Total loans | 38,363,000 | 37,465,000 | 37,087,000 | 37,015,000 |
| Allowance for loan losses | 269,000 | 269,000 | 269,000 | 269,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,141,000 | 2,778,000 | 2,652,000 | 2,540,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,555,000 | 60,385,000 | 58,157,000 | 57,661,000 |
| Interest-bearing deposits | 54,104,000 | 53,886,000 | 51,301,000 | 51,693,000 |
| Noninterest-bearing deposits | 6,451,000 | 6,499,000 | 6,856,000 | 5,968,000 |
| Equity capital | 17,058,000 | 17,189,000 | 17,314,000 | 17,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 876,000 | 1,802,000 | 2,666,000 | 3,544,000 |
| Interest expense | 229,000 | 463,000 | 693,000 | 922,000 |
| Net interest income | 647,000 | 1,339,000 | 1,973,000 | 2,622,000 |
| Noninterest income | 129,000 | 290,000 | 408,000 | 532,000 |
| Noninterest expense | 526,000 | 1,203,000 | 1,789,000 | 2,461,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 250,000 | 426,000 | 592,000 | 693,000 |
| Income tax | 78,000 | 123,000 | 164,000 | 179,000 |
| Net income | 172,000 | 303,000 | 428,000 | 514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,058,000 | 17,189,000 | 17,314,000 | 17,400,000 |