Call reports 2012
HEADWATERS STATE BANK — 2012
What HEADWATERS STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 65,243,000 | 65,005,000 | 65,606,000 | 67,243,000 |
| Total loans | 44,523,000 | 44,517,000 | 43,740,000 | 44,226,000 |
| Allowance for loan losses | 513,000 | 508,000 | 590,000 | 573,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,301,000 | 15,875,000 | 16,522,000 | 16,531,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,646,000 | 56,275,000 | 56,736,000 | 58,223,000 |
| Interest-bearing deposits | 50,233,000 | 49,071,000 | 49,037,000 | 50,746,000 |
| Noninterest-bearing deposits | 6,413,000 | 7,204,000 | 7,699,000 | 7,477,000 |
| Equity capital | 8,499,000 | 8,585,000 | 8,679,000 | 8,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 882,000 | 1,751,000 | 2,656,000 | 3,512,000 |
| Interest expense | 130,000 | 260,000 | 384,000 | 506,000 |
| Net interest income | 752,000 | 1,491,000 | 2,272,000 | 3,006,000 |
| Noninterest income | 48,000 | 47,000 | 95,000 | 127,000 |
| Noninterest expense | 521,000 | 953,000 | 1,398,000 | 1,834,000 |
| Provision for loan losses | 30,000 | 50,000 | 140,000 | 148,000 |
| Pretax income | 249,000 | 535,000 | 829,000 | 1,151,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 249,000 | 535,000 | 829,000 | 1,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,499,000 | 8,585,000 | 8,679,000 | 8,801,000 |
| Total capital | 8,989,000 | 9,071,000 | 9,159,000 | 9,288,000 |
| Risk-weighted assets | 39,212,000 | 38,870,000 | 38,309,000 | 38,881,000 |
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