Call reports 2025
HEADWATERS STATE BANK — 2025
What HEADWATERS STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 111,328,000 | 112,513,000 | 116,746,000 | 117,440,000 |
| Total loans | 74,556,000 | 77,144,000 | 77,431,000 | 78,984,000 |
| Allowance for loan losses | 764,000 | 790,000 | 813,000 | 833,000 |
| Securities available for sale | 17,880,000 | 18,344,000 | 18,213,000 | 18,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,123,000 | 93,922,000 | 97,922,000 | 98,063,000 |
| Interest-bearing deposits | 77,990,000 | 77,818,000 | 80,661,000 | 82,112,000 |
| Noninterest-bearing deposits | 15,133,000 | 16,104,000 | 17,261,000 | 15,951,000 |
| Equity capital | 18,030,000 | 18,381,000 | 18,700,000 | 19,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,409,000 | 2,856,000 | 4,355,000 | 5,846,000 |
| Interest expense | 574,000 | 1,160,000 | 1,761,000 | 2,372,000 |
| Net interest income | 835,000 | 1,696,000 | 2,594,000 | 3,474,000 |
| Noninterest income | 21,000 | 77,000 | 116,000 | 160,000 |
| Noninterest expense | 515,000 | 1,148,000 | 1,717,000 | 2,301,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 95,000 |
| Pretax income | 316,000 | 575,000 | 918,000 | 1,233,000 |
| Income tax | 62,000 | 108,000 | 177,000 | 240,000 |
| Net income | 254,000 | 467,000 | 741,000 | 993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,433,000 | 11,678,000 | 11,983,000 | 12,273,000 |
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