Call reports 2004
ATWATER STATE BANK — 2004
What ATWATER STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 19,901,000 | 20,801,000 | 20,875,000 | 20,936,000 |
| Total loans | 13,838,000 | 14,519,000 | 15,181,000 | 15,606,000 |
| Allowance for loan losses | 297,000 | 297,000 | 297,000 | 298,000 |
| Securities available for sale | 1,743,000 | 1,713,000 | 1,518,000 | 1,613,000 |
| Securities held to maturity | 1,840,000 | 1,637,000 | 1,435,000 | 1,565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,195,000 | 17,277,000 | 17,367,000 | 17,433,000 |
| Interest-bearing deposits | 14,386,000 | 14,264,000 | 14,466,000 | 14,730,000 |
| Noninterest-bearing deposits | 2,809,000 | 3,013,000 | 2,901,000 | 2,703,000 |
| Equity capital | 1,836,000 | 1,861,000 | 1,847,000 | 1,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 264,000 | 551,000 | 833,000 | 1,120,000 |
| Interest expense | 69,000 | 135,000 | 201,000 | 272,000 |
| Net interest income | 195,000 | 416,000 | 632,000 | 848,000 |
| Noninterest income | 21,000 | 36,000 | 52,000 | 68,000 |
| Noninterest expense | 148,000 | 303,000 | 459,000 | 670,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 149,000 | 225,000 | 246,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 68,000 | 149,000 | 225,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,809,000 | 1,860,000 | 1,838,000 | 1,838,000 |
| Total capital | 1,987,000 | 2,043,000 | 2,028,000 | 2,033,000 |
| Risk-weighted assets | 14,147,000 | 14,580,000 | 15,112,000 | 15,527,000 |
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