Call reports 2009
ATWATER STATE BANK — 2009
What ATWATER STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 34,913,000 | 36,110,000 | 37,565,000 | 37,450,000 |
| Total loans | 26,813,000 | 27,696,000 | 28,279,000 | 28,158,000 |
| Allowance for loan losses | 439,000 | 435,000 | 502,000 | 565,000 |
| Securities available for sale | 1,597,000 | 1,340,000 | 1,744,000 | 2,236,000 |
| Securities held to maturity | 1,898,000 | 1,974,000 | 2,008,000 | 2,152,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,855,000 | 31,073,000 | 33,028,000 | 32,973,000 |
| Interest-bearing deposits | 25,305,000 | 26,571,000 | 28,451,000 | 28,047,000 |
| Noninterest-bearing deposits | 4,550,000 | 4,502,000 | 4,577,000 | 4,926,000 |
| Equity capital | 2,478,000 | 2,539,000 | 2,551,000 | 2,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 464,000 | 946,000 | 1,424,000 | 1,935,000 |
| Interest expense | 160,000 | 318,000 | 478,000 | 632,000 |
| Net interest income | 304,000 | 628,000 | 946,000 | 1,303,000 |
| Noninterest income | 29,000 | 57,000 | 78,000 | 102,000 |
| Noninterest expense | 281,000 | 571,000 | 837,000 | 1,149,000 |
| Provision for loan losses | 25,000 | 31,000 | 97,000 | 182,000 |
| Pretax income | 24,000 | 80,000 | 87,000 | 71,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 24,000 | 80,000 | 87,000 | 71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,475,000 | 2,530,000 | 2,537,000 | 2,621,000 |
| Total capital | 2,794,000 | 2,860,000 | 2,877,000 | 2,965,000 |
| Risk-weighted assets | 25,422,000 | 26,329,000 | 27,068,000 | 27,279,000 |