Call reports 2023
HEADWATERS STATE BANK — 2023
What HEADWATERS STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 92,096,000 | 94,741,000 | 95,993,000 | 95,495,000 |
| Total loans | 62,814,000 | 65,250,000 | 65,650,000 | 66,794,000 |
| Allowance for loan losses | 396,000 | 420,000 | 421,000 | 414,000 |
| Securities available for sale | 10,962,000 | 8,556,000 | 8,218,000 | 8,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,449,000 | 77,968,000 | 79,078,000 | 78,159,000 |
| Interest-bearing deposits | 57,542,000 | 60,043,000 | 60,484,000 | 61,258,000 |
| Noninterest-bearing deposits | 17,908,000 | 17,926,000 | 18,593,000 | 16,901,000 |
| Equity capital | 16,445,000 | 16,635,000 | 16,671,000 | 17,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,129,000 | 2,297,000 | 3,522,000 | 4,608,000 |
| Interest expense | 208,000 | 452,000 | 726,000 | 1,057,000 |
| Net interest income | 921,000 | 1,845,000 | 2,796,000 | 3,551,000 |
| Noninterest income | 33,000 | 66,000 | 114,000 | 162,000 |
| Noninterest expense | 622,000 | 1,372,000 | 1,867,000 | 2,508,000 |
| Provision for loan losses | 48,000 | 72,000 | 72,000 | 72,000 |
| Pretax income | 284,000 | 399,000 | 903,000 | 1,065,000 |
| Income tax | 75,000 | 0 | 211,000 | 247,000 |
| Net income | 209,000 | 399,000 | 692,000 | 818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,449,000 | 9,771,000 | 10,190,000 | 10,436,000 |
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