Call reports 2013
HEADWATERS STATE BANK — 2013
What HEADWATERS STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 63,945,000 | 64,666,000 | 66,340,000 | 67,819,000 |
| Total loans | 44,749,000 | 45,161,000 | 45,348,000 | 45,333,000 |
| Allowance for loan losses | 579,000 | 604,000 | 617,000 | 603,000 |
| Securities available for sale | 0 | 0 | 306,000 | 596,000 |
| Securities held to maturity | 16,377,000 | 15,775,000 | 15,982,000 | 14,877,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,023,000 | 55,579,000 | 57,211,000 | 58,645,000 |
| Interest-bearing deposits | 47,334,000 | 47,870,000 | 48,965,000 | 50,835,000 |
| Noninterest-bearing deposits | 7,689,000 | 7,709,000 | 8,246,000 | 7,810,000 |
| Equity capital | 8,826,000 | 8,941,000 | 8,933,000 | 8,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 841,000 | 1,692,000 | 2,551,000 | 3,408,000 |
| Interest expense | 111,000 | 218,000 | 325,000 | 433,000 |
| Net interest income | 730,000 | 1,474,000 | 2,226,000 | 2,975,000 |
| Noninterest income | 34,000 | 80,000 | 56,000 | 75,000 |
| Noninterest expense | 509,000 | 954,000 | 1,456,000 | 1,957,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 90,000 |
| Pretax income | 225,000 | 540,000 | 746,000 | 1,003,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 225,000 | 540,000 | 746,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,826,000 | 8,941,000 | 8,927,000 | 8,981,000 |
| Total capital | 9,306,000 | 9,426,000 | 9,405,000 | 9,486,000 |
| Risk-weighted assets | 38,291,000 | 38,651,000 | 38,790,000 | 40,335,000 |
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