Call reports 2008
ATWATER STATE BANK — 2008
What ATWATER STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 31,084,000 | 33,024,000 | 33,768,000 | 34,242,000 |
| Total loans | 23,964,000 | 26,172,000 | 26,643,000 | 26,593,000 |
| Allowance for loan losses | 360,000 | 387,000 | 387,000 | 413,000 |
| Securities available for sale | 1,211,000 | 580,000 | 1,311,000 | 865,000 |
| Securities held to maturity | 775,000 | 1,311,000 | 1,155,000 | 1,868,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,579,000 | 27,221,000 | 27,893,000 | 28,742,000 |
| Interest-bearing deposits | 21,706,000 | 22,959,000 | 23,953,000 | 24,040,000 |
| Noninterest-bearing deposits | 3,873,000 | 4,262,000 | 3,940,000 | 4,702,000 |
| Equity capital | 2,253,000 | 2,357,000 | 2,433,000 | 2,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 450,000 | 955,000 | 1,456,000 | 1,973,000 |
| Interest expense | 201,000 | 393,000 | 589,000 | 777,000 |
| Net interest income | 249,000 | 562,000 | 867,000 | 1,196,000 |
| Noninterest income | 30,000 | 53,000 | 50,000 | 74,000 |
| Noninterest expense | 253,000 | 546,000 | 768,000 | 1,074,000 |
| Provision for loan losses | 15,000 | 42,000 | 42,000 | 68,000 |
| Pretax income | 21,000 | 46,000 | 126,000 | 146,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 21,000 | 46,000 | 126,000 | 146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,226,000 | 2,350,000 | 2,430,000 | 2,450,000 |
| Total capital | 2,513,000 | 2,663,000 | 2,748,000 | 2,770,000 |
| Risk-weighted assets | 22,887,000 | 24,988,000 | 25,390,000 | 25,483,000 |