Call reports 2022
HEADWATERS STATE BANK — 2022
What HEADWATERS STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 80,440,000 | 99,836,000 | 91,925,000 | 92,312,000 |
| Total loans | 41,176,000 | 42,006,000 | 55,738,000 | 57,467,000 |
| Allowance for loan losses | 325,000 | 1,000 | 31,000 | 91,000 |
| Securities available for sale | 11,792,000 | 10,479,000 | 9,938,000 | 10,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,447,000 | 84,605,000 | 75,518,000 | 75,806,000 |
| Interest-bearing deposits | 53,499,000 | 51,018,000 | 55,148,000 | 55,854,000 |
| Noninterest-bearing deposits | 16,948,000 | 33,587,000 | 20,370,000 | 19,952,000 |
| Equity capital | 9,592,000 | 14,790,000 | 16,167,000 | 16,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 599,000 | 219,000 | 1,175,000 | 2,217,000 |
| Interest expense | 54,000 | 17,000 | 36,000 | 140,000 |
| Net interest income | 545,000 | 202,000 | 1,139,000 | 2,077,000 |
| Noninterest income | 29,000 | 13,000 | 60,000 | 99,000 |
| Noninterest expense | 473,000 | 163,000 | 688,000 | 1,346,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 90,000 |
| Pretax income | 101,000 | 52,000 | 481,000 | 740,000 |
| Income tax | 0 | 0 | 125,000 | 193,000 |
| Net income | 101,000 | 52,000 | 356,000 | 547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,283,000 | 6,998,000 | 8,954,000 | 9,290,000 |
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