Call reports 2018
HEADWATERS STATE BANK — 2018
What HEADWATERS STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 64,727,000 | 67,498,000 | 67,062,000 | 69,805,000 |
| Total loans | 40,325,000 | 40,729,000 | 41,005,000 | 41,350,000 |
| Allowance for loan losses | 614,000 | 563,000 | 567,000 | 555,000 |
| Securities available for sale | 16,578,000 | 16,375,000 | 16,956,000 | 17,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,306,000 | 58,029,000 | 57,524,000 | 60,137,000 |
| Interest-bearing deposits | 44,037,000 | 44,004,000 | 43,720,000 | 46,585,000 |
| Noninterest-bearing deposits | 11,268,000 | 14,025,000 | 13,804,000 | 13,552,000 |
| Equity capital | 9,337,000 | 9,321,000 | 9,329,000 | 9,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 685,000 | 1,396,000 | 2,122,000 | 2,866,000 |
| Interest expense | 66,000 | 137,000 | 215,000 | 297,000 |
| Net interest income | 619,000 | 1,259,000 | 1,907,000 | 2,569,000 |
| Noninterest income | 39,000 | 78,000 | 137,000 | 175,000 |
| Noninterest expense | 463,000 | 925,000 | 1,373,000 | 1,820,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 195,000 | 412,000 | 671,000 | 924,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 195,000 | 412,000 | 671,000 | 924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,859,000 | 9,926,000 | 10,035,000 | 9,938,000 |
| Total capital | 10,313,000 | 10,378,000 | 10,483,000 | 10,391,000 |
| Risk-weighted assets | 36,145,000 | 36,064,000 | 35,734,000 | 36,144,000 |