Call reports 2019
HEADWATERS STATE BANK — 2019
What HEADWATERS STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 66,854,000 | 66,824,000 | 66,943,000 | 67,103,000 |
| Total loans | 41,201,000 | 40,636,000 | 40,676,000 | 40,346,000 |
| Allowance for loan losses | 538,000 | 467,000 | 446,000 | 445,000 |
| Securities available for sale | 18,420,000 | 17,733,000 | 17,582,000 | 15,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,852,000 | 56,412,000 | 56,226,000 | 56,550,000 |
| Interest-bearing deposits | 44,597,000 | 43,655,000 | 38,651,000 | 44,300,000 |
| Noninterest-bearing deposits | 12,255,000 | 12,757,000 | 17,575,000 | 12,250,000 |
| Equity capital | 9,882,000 | 10,235,000 | 10,496,000 | 10,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 733,000 | 1,466,000 | 2,207,000 | 2,959,000 |
| Interest expense | 89,000 | 182,000 | 278,000 | 365,000 |
| Net interest income | 644,000 | 1,284,000 | 1,929,000 | 2,594,000 |
| Noninterest income | 38,000 | 80,000 | 124,000 | 165,000 |
| Noninterest expense | 451,000 | 920,000 | 1,354,000 | 1,822,000 |
| Provision for loan losses | -15,000 | -25,000 | -25,000 | -25,000 |
| Pretax income | 246,000 | 469,000 | 724,000 | 962,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 246,000 | 469,000 | 724,000 | 962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,034,000 | 10,107,000 | 10,212,000 | 10,100,000 |
| Total capital | 10,479,000 | 10,549,000 | 10,649,000 | 10,534,000 |
| Risk-weighted assets | 35,542,000 | 35,334,000 | 34,950,000 | 34,711,000 |