Call reports 2020
HEADWATERS STATE BANK — 2020
What HEADWATERS STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 64,910,000 | 69,793,000 | 75,801,000 | 78,249,000 |
| Total loans | 39,362,000 | 40,388,000 | 42,130,000 | 41,849,000 |
| Allowance for loan losses | 435,000 | 430,000 | 386,000 | 385,000 |
| Securities available for sale | 12,259,000 | 9,880,000 | 10,216,000 | 11,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,429,000 | 58,870,000 | 64,737,000 | 67,171,000 |
| Interest-bearing deposits | 42,879,000 | 44,140,000 | 46,842,000 | 52,253,000 |
| Noninterest-bearing deposits | 11,550,000 | 14,731,000 | 17,895,000 | 14,918,000 |
| Equity capital | 10,377,000 | 10,776,000 | 10,876,000 | 10,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 719,000 | 1,434,000 | 2,105,000 | 2,777,000 |
| Interest expense | 88,000 | 175,000 | 259,000 | 331,000 |
| Net interest income | 631,000 | 1,259,000 | 1,846,000 | 2,446,000 |
| Noninterest income | 38,000 | 39,000 | 96,000 | 131,000 |
| Noninterest expense | 475,000 | 932,000 | 1,461,000 | 1,915,000 |
| Provision for loan losses | -10,000 | -15,000 | -15,000 | -15,000 |
| Pretax income | 204,000 | 381,000 | 496,000 | 677,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 204,000 | 381,000 | 496,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,154,000 | 10,181,000 | 10,146,000 | 10,177,000 |
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