Call reports 2010
HEADWATERS STATE BANK — 2010
What HEADWATERS STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 59,325,000 | 60,515,000 | 61,530,000 | 64,655,000 |
| Total loans | 41,569,000 | 41,779,000 | 42,554,000 | 43,471,000 |
| Allowance for loan losses | 519,000 | 501,000 | 516,000 | 501,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,064,000 | 15,338,000 | 15,824,000 | 15,802,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,425,000 | 52,411,000 | 53,297,000 | 56,345,000 |
| Interest-bearing deposits | 44,193,000 | 44,367,000 | 45,067,000 | 50,578,000 |
| Noninterest-bearing deposits | 7,232,000 | 8,044,000 | 8,230,000 | 5,767,000 |
| Equity capital | 7,781,000 | 7,947,000 | 8,038,000 | 8,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 859,000 | 1,734,000 | 2,615,000 | 3,534,000 |
| Interest expense | 180,000 | 345,000 | 506,000 | 650,000 |
| Net interest income | 679,000 | 1,389,000 | 2,109,000 | 2,884,000 |
| Noninterest income | 50,000 | 102,000 | 162,000 | 216,000 |
| Noninterest expense | 502,000 | 918,000 | 1,362,000 | 1,822,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 150,000 |
| Pretax income | 197,000 | 513,000 | 804,000 | 1,128,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 197,000 | 513,000 | 804,000 | 1,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,781,000 | 7,947,000 | 8,038,000 | 8,062,000 |
| Total capital | 8,283,000 | 8,448,000 | 8,554,000 | 8,535,000 |
| Risk-weighted assets | 40,583,000 | 41,058,000 | 240,000 | 38,632,000 |
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