Call reports 2006
ATWATER STATE BANK — 2006
What ATWATER STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 22,024,000 | 22,529,000 | 23,652,000 | 23,933,000 |
| Total loans | 17,554,000 | 18,307,000 | 19,394,000 | 18,887,000 |
| Allowance for loan losses | 294,000 | 299,000 | 324,000 | 325,000 |
| Securities available for sale | 1,277,000 | 1,071,000 | 876,000 | 1,649,000 |
| Securities held to maturity | 1,503,000 | 1,503,000 | 1,252,000 | 1,227,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,876,000 | 17,328,000 | 17,643,000 | 17,919,000 |
| Interest-bearing deposits | 14,597,000 | 15,031,000 | 15,023,000 | 15,108,000 |
| Noninterest-bearing deposits | 2,279,000 | 2,297,000 | 2,620,000 | 2,811,000 |
| Equity capital | 1,861,000 | 1,914,000 | 1,953,000 | 1,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 322,000 | 656,000 | 1,021,000 | 1,430,000 |
| Interest expense | 113,000 | 240,000 | 395,000 | 565,000 |
| Net interest income | 209,000 | 416,000 | 626,000 | 865,000 |
| Noninterest income | 18,000 | 35,000 | 55,000 | 72,000 |
| Noninterest expense | 166,000 | 332,000 | 504,000 | 721,000 |
| Provision for loan losses | 0 | 5,000 | 30,000 | 30,000 |
| Pretax income | 61,000 | 114,000 | 147,000 | 186,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 61,000 | 114,000 | 147,000 | 186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,877,000 | 1,930,000 | 1,962,000 | 1,956,000 |
| Total capital | 2,089,000 | 2,144,000 | 2,184,000 | 2,170,000 |
| Risk-weighted assets | 17,122,000 | 17,043,000 | 17,628,000 | 17,197,000 |
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