Call reports 2015
GOLDWATER BANK, NATIONAL ASSOCIATION — 2015
What GOLDWATER BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 101,536,000 | 103,102,000 | 94,645,000 | 95,747,000 |
| Total loans | 77,239,000 | 85,579,000 | 51,463,000 | 60,829,000 |
| Allowance for loan losses | 412,000 | 392,000 | 375,000 | 381,000 |
| Securities available for sale | 9,659,000 | 5,214,000 | 4,748,000 | 4,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,951,000 | 92,322,000 | 84,416,000 | 84,852,000 |
| Interest-bearing deposits | 86,173,000 | 84,873,000 | 76,187,000 | 77,462,000 |
| Noninterest-bearing deposits | 3,778,000 | 7,449,000 | 8,229,000 | 7,390,000 |
| Equity capital | 6,123,000 | 6,327,000 | 8,424,000 | 8,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 858,000 | 1,924,000 | 2,749,000 | 3,712,000 |
| Interest expense | 128,000 | 285,000 | 432,000 | 572,000 |
| Net interest income | 730,000 | 1,639,000 | 2,317,000 | 3,140,000 |
| Noninterest income | 4,548,000 | 10,249,000 | 14,001,000 | 18,322,000 |
| Noninterest expense | 4,921,000 | 11,298,000 | 15,628,000 | 20,515,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 86,000 |
| Pretax income | 304,000 | 513,000 | 613,000 | 834,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 304,000 | 513,000 | 613,000 | 834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,123,000 | 6,360,000 | 8,460,000 | 8,681,000 |
| Total capital | 6,535,000 | 6,752,000 | 8,835,000 | 9,062,000 |
| Risk-weighted assets | 49,904,000 | 54,324,000 | 42,976,000 | 47,682,000 |