Call reports 2009
HEADWATERS STATE BANK — 2009
What HEADWATERS STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 56,450,000 | 58,747,000 | 61,114,000 | 62,996,000 |
| Total loans | 40,344,000 | 40,870,000 | 42,240,000 | 41,701,000 |
| Allowance for loan losses | 409,000 | 384,000 | 384,000 | 502,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,801,000 | 13,000,000 | 14,721,000 | 14,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,752,000 | 50,754,000 | 52,928,000 | 54,999,000 |
| Interest-bearing deposits | 42,372,000 | 43,688,000 | 46,321,000 | 47,356,000 |
| Noninterest-bearing deposits | 5,380,000 | 7,066,000 | 6,607,000 | 7,643,000 |
| Equity capital | 7,648,000 | 7,783,000 | 7,939,000 | 7,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 883,000 | 1,782,000 | 2,667,000 | 3,568,000 |
| Interest expense | 234,000 | 446,000 | 653,000 | 851,000 |
| Net interest income | 649,000 | 1,336,000 | 2,014,000 | 2,717,000 |
| Noninterest income | 57,000 | 111,000 | 175,000 | 254,000 |
| Noninterest expense | 442,000 | 883,000 | 1,304,000 | 1,836,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 200,000 |
| Pretax income | 249,000 | 534,000 | 840,000 | 935,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 249,000 | 534,000 | 840,000 | 935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,648,000 | 7,783,000 | 7,939,000 | 7,734,000 |
| Total capital | 8,057,000 | 8,167,000 | 8,323,000 | 8,236,000 |
| Risk-weighted assets | 37,580,000 | 38,359,000 | 40,436,000 | 41,088,000 |
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