Call reports 2021
HEADWATERS STATE BANK — 2021
What HEADWATERS STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 78,955,000 | 80,350,000 | 83,055,000 | 84,043,000 |
| Total loans | 40,577,000 | 40,164,000 | 41,392,000 | 40,260,000 |
| Allowance for loan losses | 385,000 | 324,000 | 326,000 | 325,000 |
| Securities available for sale | 11,584,000 | 12,897,000 | 13,690,000 | 13,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,208,000 | 69,420,000 | 72,088,000 | 73,442,000 |
| Interest-bearing deposits | 50,542,000 | 50,825,000 | 52,711,000 | 54,572,000 |
| Noninterest-bearing deposits | 17,666,000 | 18,595,000 | 19,377,000 | 18,871,000 |
| Equity capital | 10,638,000 | 10,776,000 | 10,772,000 | 10,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 797,000 | 1,442,000 | 2,074,000 | 2,687,000 |
| Interest expense | 69,000 | 129,000 | 185,000 | 242,000 |
| Net interest income | 728,000 | 1,313,000 | 1,889,000 | 2,445,000 |
| Noninterest income | 33,000 | 72,000 | 109,000 | 145,000 |
| Noninterest expense | 450,000 | 885,000 | 1,323,000 | 1,747,000 |
| Provision for loan losses | 0 | -61,000 | -61,000 | -61,000 |
| Pretax income | 311,000 | 561,000 | 736,000 | 904,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 311,000 | 561,000 | 736,000 | 904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,338,000 | 10,388,000 | 10,412,000 | 10,182,000 |
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