Call reports 2002
ATWATER STATE BANK — 2002
What ATWATER STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 20,115,000 | 20,465,000 | 20,793,000 | 21,441,000 |
| Total loans | 14,568,000 | 14,822,000 | 14,545,000 | 14,548,000 |
| Allowance for loan losses | 249,000 | 258,000 | 272,000 | 263,000 |
| Securities available for sale | 1,403,000 | 1,094,000 | 1,313,000 | 1,312,000 |
| Securities held to maturity | 2,371,000 | 2,267,000 | 2,809,000 | 2,705,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,251,000 | 16,956,000 | 17,238,000 | 17,853,000 |
| Interest-bearing deposits | 14,458,000 | 15,030,000 | 15,069,000 | 15,386,000 |
| Noninterest-bearing deposits | 1,793,000 | 1,926,000 | 2,169,000 | 2,467,000 |
| Equity capital | 1,622,000 | 1,688,000 | 1,744,000 | 1,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 339,000 | 679,000 | 1,025,000 | 1,358,000 |
| Interest expense | 142,000 | 277,000 | 402,000 | 519,000 |
| Net interest income | 197,000 | 402,000 | 623,000 | 839,000 |
| Noninterest income | 13,000 | 26,000 | 40,000 | 58,000 |
| Noninterest expense | 165,000 | 322,000 | 476,000 | 636,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 46,000 | 107,000 | 163,000 | 237,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 46,000 | 106,000 | 162,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,621,000 | 1,658,000 | 1,694,000 | 1,737,000 |
| Total capital | 1,800,000 | 1,843,000 | 1,874,000 | 1,925,000 |
| Risk-weighted assets | 14,689,000 | 14,706,000 | 14,691,000 | 15,134,000 |
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