Vitals
  • Total Assets
    67.9M -2.3 %
  • Total Deposits
    58.4M -2.1 %
  • Total Net Loans
    40.4M -3.8 %
  • Net Income
    928000.0000 -11.7 %
  • Book Value
    9.3M -3.3 %
  • Book Value x2
    18.6M -3.3 %
  • Book Value x3
    27.9M -3.3 %
ROAA

1.415

ROAE

9.528

Efficiency Ratio

60.622

Net Interest Margin

4.738

Balance Sheet Highlights
Financial Highlights Headwaters State Bank All Insured Commercial Banks in Wisconsin
Balance Sheet $(000)
Total Assets 67,898 272,940
Total Net Loans 40,357 188,306
Total Deposits 58,389 228,985
Total Equity 9,297 30,879
Profitability
Net Income 928 3,013
Return on Average Assets 1.415 1.04
Return on Average Equity 9.528 8.894
Net Interest Margin 4.738 3.727
Efficiency Ratio 60.622 64.939
Noninterest Income/Revenue 5.195 14.969
Balance Sheet Ratios
Loan-to-Deposit 69.118 81.441
Securities/Assets .235 .167
Total Equity/Total Assets .137 .113
Tangible Equity/Tangible Assets .137 .11
Capital Adequacy
Tier 1 Common Capital 9,596 29,936
Tier 1 Capital 9,596 29,937
Tier 2 Capital 473 2,305
Total Capital 10,069 32,273
Total Risk Weighted Assets 37,636 202,263
Leverage Ratio 14.54 11.31
Common Equity Tier 1 Capital Ratio 25.5 15.769
Tier 1 Capital Ratio 25.5 15.771
Total Capital Ratio 26.75 16.923

Timeline for Headwaters State Bank

Headwaters Investments, Inc.

Headwaters Investments, Inc. became a new subsidiary organization for Headwaters State Bank.

View Profile Dec 16 1992

Headwaters Bancorp, Inc.

Headwaters Bancorp, Inc. became a new parent organization for Headwaters State Bank.

View Profile Aug 31 1982

Headwaters Building Corporation

Headwaters Building Corporation became a new subsidiary organization for Headwaters State Bank.

View Profile Aug 31 1982

Headwaters State Bank

Headwaters State Bank was established 102 years ago and is currently headquartered in Land O Lakes, WI.

Sep 01 1921
Relationships Role Relationship Start Relationship End
Headwaters Bancorp, Inc. Parent 8/31/1982
Headwaters Investments, Inc. Subsidary 12/16/1992 12/31/2001
Headwaters Building Corporation Subsidary 8/31/1982 4/24/1986
Similar Organizations
Organization City State Total Assets
Security State Bank Of Wanamingo
 		Wanamingo MN 65.8M
Melvin Savings Bank
 		Melvin IA 66.7M
Hodge Bank & Trust Company
 		Hodge LA 65.1M
The Four County Bank
 		Allentown GA 64.9M
Justin State Bank
 		Justin TX 67.1M
Alton Bank
 		Alton MO 64.4M
Jackson Parish Bank
 		Jonesboro LA 67.7M
Bank Star
 		Pacific MO 67.8M
First Commerce Bank
 		Marysville KS 66.1M
Ssbbank
 		Stockbridge MI 66.3M