Call reports 2005
ATWATER STATE BANK — 2005
What ATWATER STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 20,707,000 | 21,763,000 | 21,977,000 | 21,973,000 |
| Total loans | 15,760,000 | 16,509,000 | 17,246,000 | 16,863,000 |
| Allowance for loan losses | 302,000 | 306,000 | 306,000 | 292,000 |
| Securities available for sale | 1,485,000 | 1,490,000 | 1,388,000 | 1,394,000 |
| Securities held to maturity | 1,479,000 | 1,478,000 | 1,577,000 | 1,834,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,194,000 | 16,967,000 | 16,856,000 | 17,026,000 |
| Interest-bearing deposits | 14,634,000 | 14,872,000 | 14,614,000 | 14,390,000 |
| Noninterest-bearing deposits | 2,560,000 | 2,095,000 | 2,242,000 | 2,636,000 |
| Equity capital | 1,785,000 | 1,845,000 | 1,876,000 | 1,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 274,000 | 567,000 | 880,000 | 1,207,000 |
| Interest expense | 71,000 | 157,000 | 262,000 | 372,000 |
| Net interest income | 203,000 | 410,000 | 618,000 | 835,000 |
| Noninterest income | 17,000 | 33,000 | 55,000 | 77,000 |
| Noninterest expense | 155,000 | 311,000 | 485,000 | 697,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 65,000 | 132,000 | 188,000 | 215,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 65,000 | 132,000 | 187,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,803,000 | 1,855,000 | 1,886,000 | 1,901,000 |
| Total capital | 1,997,000 | 2,056,000 | 2,091,000 | 2,111,000 |
| Risk-weighted assets | 15,393,000 | 16,020,000 | 16,346,000 | 16,746,000 |
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