Call reports 2011
HEADWATERS STATE BANK — 2011
What HEADWATERS STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 61,357,000 | 63,110,000 | 63,514,000 | 66,716,000 |
| Total loans | 43,481,000 | 44,944,000 | 45,149,000 | 44,741,000 |
| Allowance for loan losses | 527,000 | 485,000 | 508,000 | 505,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,361,000 | 15,778,000 | 15,756,000 | 15,588,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,923,000 | 53,986,000 | 54,954,000 | 58,027,000 |
| Interest-bearing deposits | 47,315,000 | 47,709,000 | 48,463,000 | 51,953,000 |
| Noninterest-bearing deposits | 5,608,000 | 6,277,000 | 6,491,000 | 6,074,000 |
| Equity capital | 8,122,000 | 8,261,000 | 8,355,000 | 8,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 890,000 | 1,798,000 | 2,691,000 | 3,596,000 |
| Interest expense | 133,000 | 269,000 | 398,000 | 528,000 |
| Net interest income | 757,000 | 1,529,000 | 2,293,000 | 3,068,000 |
| Noninterest income | 51,000 | 108,000 | 164,000 | 220,000 |
| Noninterest expense | 518,000 | 978,000 | 1,474,000 | 1,930,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 260,000 | 599,000 | 893,000 | 1,238,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 260,000 | 599,000 | 893,000 | 1,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,122,000 | 8,261,000 | 8,355,000 | 8,450,000 |
| Total capital | 8,597,000 | 8,746,000 | 8,843,000 | 8,943,000 |
| Risk-weighted assets | 37,908,000 | 39,039,000 | 39,055,000 | 39,633,000 |
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