Call reports 2015
HEADWATERS STATE BANK — 2015
What HEADWATERS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 65,242,000 | 65,540,000 | 68,174,000 | 69,490,000 |
| Total loans | 43,452,000 | 43,346,000 | 42,838,000 | 42,606,000 |
| Allowance for loan losses | 656,000 | 666,000 | 663,000 | 661,000 |
| Securities available for sale | 17,660,000 | 17,738,000 | 18,402,000 | 16,971,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,544,000 | 55,982,000 | 58,299,000 | 59,660,000 |
| Interest-bearing deposits | 46,833,000 | 46,884,000 | 47,866,000 | 49,505,000 |
| Noninterest-bearing deposits | 8,711,000 | 9,097,000 | 10,433,000 | 10,155,000 |
| Equity capital | 9,604,000 | 9,416,000 | 9,682,000 | 9,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 784,000 | 1,571,000 | 2,334,000 | 3,088,000 |
| Interest expense | 94,000 | 186,000 | 266,000 | 345,000 |
| Net interest income | 690,000 | 1,385,000 | 2,068,000 | 2,743,000 |
| Noninterest income | 38,000 | 95,000 | 97,000 | 118,000 |
| Noninterest expense | 464,000 | 966,000 | 1,376,000 | 1,760,000 |
| Provision for loan losses | 30,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 234,000 | 464,000 | 739,000 | 1,051,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 234,000 | 464,000 | 739,000 | 1,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,251,000 | 9,331,000 | 9,457,000 | 9,468,000 |
| Total capital | 9,730,000 | 9,820,000 | 9,946,000 | 9,957,000 |
| Risk-weighted assets | 38,139,000 | 39,071,000 | 38,984,000 | 38,917,000 |
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