Call reports 2007
ATWATER STATE BANK — 2007
What ATWATER STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 24,179,000 | 25,056,000 | 28,330,000 | 28,834,000 |
| Total loans | 19,180,000 | 19,929,000 | 21,749,000 | 22,220,000 |
| Allowance for loan losses | 327,000 | 327,000 | 327,000 | 342,000 |
| Securities available for sale | 1,990,000 | 1,991,000 | 2,533,000 | 2,275,000 |
| Securities held to maturity | 1,097,000 | 1,147,000 | 1,248,000 | 1,212,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,374,000 | 19,200,000 | 22,692,000 | 23,323,000 |
| Interest-bearing deposits | 15,669,000 | 16,527,000 | 19,326,000 | 19,517,000 |
| Noninterest-bearing deposits | 2,705,000 | 2,673,000 | 3,366,000 | 3,806,000 |
| Equity capital | 2,018,000 | 2,069,000 | 2,117,000 | 2,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 377,000 | 787,000 | 1,239,000 | 1,716,000 |
| Interest expense | 167,000 | 341,000 | 536,000 | 746,000 |
| Net interest income | 210,000 | 446,000 | 703,000 | 970,000 |
| Noninterest income | 29,000 | 44,000 | 72,000 | 96,000 |
| Noninterest expense | 175,000 | 372,000 | 622,000 | 904,000 |
| Provision for loan losses | 0 | 0 | 0 | 14,000 |
| Pretax income | 64,000 | 118,000 | 153,000 | 148,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 64,000 | 118,000 | 153,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,020,000 | 2,074,000 | 2,110,000 | 2,204,000 |
| Total capital | 2,239,000 | 2,304,000 | 2,361,000 | 2,472,000 |
| Risk-weighted assets | 17,386,000 | 18,308,000 | 20,010,000 | 21,417,000 |