Call reports 2014
HEADWATERS STATE BANK — 2014
What HEADWATERS STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 62,766,000 | 65,244,000 | 66,555,000 | 68,373,000 |
| Total loans | 44,102,000 | 44,789,000 | 44,700,000 | 44,608,000 |
| Allowance for loan losses | 606,000 | 636,000 | 666,000 | 623,000 |
| Securities available for sale | 2,758,000 | 15,060,000 | 16,165,000 | 16,833,000 |
| Securities held to maturity | 12,661,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,691,000 | 55,764,000 | 57,044,000 | 58,743,000 |
| Interest-bearing deposits | 46,321,000 | 47,457,000 | 47,892,000 | 50,161,000 |
| Noninterest-bearing deposits | 7,370,000 | 8,307,000 | 9,152,000 | 8,583,000 |
| Equity capital | 8,977,000 | 9,335,000 | 9,323,000 | 9,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 812,000 | 1,611,000 | 2,403,000 | 3,225,000 |
| Interest expense | 100,000 | 199,000 | 300,000 | 398,000 |
| Net interest income | 712,000 | 1,412,000 | 2,103,000 | 2,827,000 |
| Noninterest income | 51,000 | 101,000 | 150,000 | 177,000 |
| Noninterest expense | 534,000 | 985,000 | 1,472,000 | 1,912,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 110,000 |
| Pretax income | 199,000 | 468,000 | 691,000 | 982,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 199,000 | 468,000 | 691,000 | 982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,984,000 | 9,053,000 | 9,076,000 | 9,167,000 |
| Total capital | 9,469,000 | 9,547,000 | 9,573,000 | 9,667,000 |
| Risk-weighted assets | 38,725,000 | 39,344,000 | 39,577,000 | 39,919,000 |
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