Call reports 2003
ATWATER STATE BANK — 2003
What ATWATER STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 20,878,000 | 20,722,000 | 20,754,000 | 20,835,000 |
| Total loans | 14,770,000 | 15,213,000 | 14,743,000 | 13,870,000 |
| Allowance for loan losses | 272,000 | 294,000 | 298,000 | 293,000 |
| Securities available for sale | 1,110,000 | 632,000 | 1,332,000 | 1,842,000 |
| Securities held to maturity | 2,652,000 | 2,298,000 | 2,095,000 | 2,091,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,579,000 | 17,418,000 | 17,780,000 | 17,878,000 |
| Interest-bearing deposits | 14,706,000 | 14,848,000 | 15,309,000 | 14,660,000 |
| Noninterest-bearing deposits | 2,873,000 | 2,570,000 | 2,471,000 | 3,218,000 |
| Equity capital | 1,756,000 | 1,774,000 | 1,842,000 | 1,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 313,000 | 616,000 | 932,000 | 1,229,000 |
| Interest expense | 101,000 | 194,000 | 281,000 | 359,000 |
| Net interest income | 212,000 | 422,000 | 651,000 | 870,000 |
| Noninterest income | 16,000 | 31,000 | 46,000 | 61,000 |
| Noninterest expense | 147,000 | 290,000 | 444,000 | 668,000 |
| Provision for loan losses | 21,000 | 43,000 | 43,000 | 43,000 |
| Pretax income | 64,000 | 143,000 | 233,000 | 243,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 64,000 | 143,000 | 233,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,711,000 | 1,751,000 | 1,819,000 | 1,815,000 |
| Total capital | 1,899,000 | 1,944,000 | 2,008,000 | 1,996,000 |
| Risk-weighted assets | 14,993,000 | 15,320,000 | 14,992,000 | 14,348,000 |
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