Call reports 2016
HEADWATERS STATE BANK — 2016
What HEADWATERS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 63,283,000 | 64,492,000 | 66,026,000 | 67,898,000 |
| Total loans | 42,359,000 | 42,158,000 | 41,766,000 | 41,056,000 |
| Allowance for loan losses | 660,000 | 660,000 | 775,000 | 699,000 |
| Securities available for sale | 16,089,000 | 14,516,000 | 15,737,000 | 15,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,316,000 | 54,352,000 | 55,858,000 | 58,389,000 |
| Interest-bearing deposits | 44,022,000 | 44,024,000 | 45,046,000 | 47,802,000 |
| Noninterest-bearing deposits | 9,294,000 | 10,328,000 | 10,811,000 | 10,587,000 |
| Equity capital | 9,841,000 | 9,976,000 | 9,968,000 | 9,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 761,000 | 1,518,000 | 2,275,000 | 2,984,000 |
| Interest expense | 78,000 | 153,000 | 227,000 | 301,000 |
| Net interest income | 683,000 | 1,365,000 | 2,048,000 | 2,683,000 |
| Noninterest income | 40,000 | 87,000 | 130,000 | 168,000 |
| Noninterest expense | 458,000 | 936,000 | 1,350,000 | 1,778,000 |
| Provision for loan losses | 0 | 0 | 115,000 | 145,000 |
| Pretax income | 265,000 | 516,000 | 713,000 | 928,000 |
| Income tax | 18,000 | 0 | 0 | 0 |
| Net income | 247,000 | 516,000 | 713,000 | 928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,565,000 | 9,684,000 | 9,731,000 | 9,596,000 |
| Total capital | 10,029,000 | 10,146,000 | 10,202,000 | 10,069,000 |
| Risk-weighted assets | 36,923,000 | 36,763,000 | 37,366,000 | 37,636,000 |
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