Call reports 2022
GOLDWATER BANK, NATIONAL ASSOCIATION — 2022
What GOLDWATER BANK, NATIONAL ASSOCIATION 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 | 353,671,000 | 372,170,000 | 388,171,000 | 435,814,000 |
| Total loans | 281,418,000 | 320,206,000 | 343,261,000 | 383,565,000 |
| Allowance for loan losses | 2,334,000 | 2,780,000 | 3,142,000 | 3,806,000 |
| Securities available for sale | 557,000 | 503,000 | 339,000 | 339,000 |
| Securities held to maturity | 6,900,000 | 10,150,000 | 11,400,000 | 11,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,327,000 | 264,754,000 | 276,513,000 | 266,924,000 |
| Interest-bearing deposits | 176,809,000 | 180,127,000 | 181,402,000 | 182,242,000 |
| Noninterest-bearing deposits | 77,518,000 | 84,627,000 | 95,111,000 | 84,682,000 |
| Equity capital | 49,496,000 | 47,659,000 | 48,289,000 | 49,696,000 |
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 | 3,226,000 | 7,047,000 | 11,738,000 | 17,179,000 |
| Interest expense | 390,000 | 793,000 | 1,447,000 | 2,584,000 |
| Net interest income | 2,836,000 | 6,254,000 | 10,291,000 | 14,595,000 |
| Noninterest income | 9,894,000 | 17,349,000 | 24,999,000 | 31,089,000 |
| Noninterest expense | 11,238,000 | 23,692,000 | 34,015,000 | 41,736,000 |
| Provision for loan losses | 178,000 | 623,000 | 983,000 | 1,640,000 |
| Pretax income | 1,314,000 | -712,000 | 292,000 | 2,308,000 |
| Income tax | 319,000 | 28,000 | 35,000 | 580,000 |
| Net income | 995,000 | -740,000 | 257,000 | 1,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,503,000 | 47,691,000 | 48,312,000 | 49,718,000 |