Call reports 2019
GOLDWATER BANK, NATIONAL ASSOCIATION — 2019
What GOLDWATER BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 158,144,000 | 169,765,000 | 195,515,000 | 187,526,000 |
| Total loans | 119,358,000 | 144,795,000 | 162,841,000 | 161,491,000 |
| Allowance for loan losses | 369,000 | 376,000 | 389,000 | 448,000 |
| Securities available for sale | 4,205,000 | 4,247,000 | 4,024,000 | 3,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,893,000 | 145,250,000 | 154,347,000 | 149,817,000 |
| Interest-bearing deposits | 110,811,000 | 111,516,000 | 116,023,000 | 124,368,000 |
| Noninterest-bearing deposits | 30,082,000 | 33,734,000 | 38,324,000 | 25,449,000 |
| Equity capital | 11,951,000 | 14,550,000 | 17,589,000 | 20,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,528,000 | 3,233,000 | 5,123,000 | 7,119,000 |
| Interest expense | 562,000 | 1,198,000 | 1,889,000 | 2,633,000 |
| Net interest income | 966,000 | 2,035,000 | 3,234,000 | 4,486,000 |
| Noninterest income | 12,396,000 | 28,858,000 | 47,864,000 | 63,553,000 |
| Noninterest expense | 12,748,000 | 27,660,000 | 44,772,000 | 60,029,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 614,000 | 3,233,000 | 6,326,000 | 7,980,000 |
| Income tax | 15,000 | 26,000 | 40,000 | -855,000 |
| Net income | 599,000 | 3,207,000 | 6,286,000 | 8,838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,869,000 | 14,403,000 | 17,578,000 | 19,741,000 |
| Total capital | 12,677,000 | 15,238,000 | 18,471,000 | 20,769,000 |
| Risk-weighted assets | 79,905,000 | 90,631,000 | 97,350,000 | 95,805,000 |