Call reports 2010
ATWATER STATE BANK — 2010
What ATWATER STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 38,263,000 | 38,831,000 | 38,978,000 | 39,272,000 |
| Total loans | 27,812,000 | 29,573,000 | 29,269,000 | 28,898,000 |
| Allowance for loan losses | 565,000 | 499,000 | 554,000 | 555,000 |
| Securities available for sale | 2,705,000 | 2,052,000 | 1,944,000 | 3,241,000 |
| Securities held to maturity | 2,170,000 | 1,891,000 | 1,845,000 | 1,667,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,064,000 | 34,089,000 | 34,215,000 | 33,957,000 |
| Interest-bearing deposits | 29,591,000 | 29,774,000 | 29,582,000 | 28,693,000 |
| Noninterest-bearing deposits | 4,473,000 | 4,315,000 | 4,633,000 | 5,264,000 |
| Equity capital | 2,787,000 | 3,342,000 | 3,373,000 | 3,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 467,000 | 954,000 | 1,448,000 | 1,937,000 |
| Interest expense | 145,000 | 285,000 | 419,000 | 544,000 |
| Net interest income | 322,000 | 669,000 | 1,029,000 | 1,393,000 |
| Noninterest income | 28,000 | 52,000 | 76,000 | 125,000 |
| Noninterest expense | 269,000 | 585,000 | 898,000 | 1,233,000 |
| Provision for loan losses | 22,000 | 23,000 | 70,000 | 70,000 |
| Pretax income | 59,000 | 113,000 | 137,000 | 215,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 59,000 | 113,000 | 137,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,778,000 | 3,334,000 | 3,358,000 | 3,435,000 |
| Total capital | 3,101,000 | 3,674,000 | 3,693,000 | 3,781,000 |
| Risk-weighted assets | 25,563,000 | 27,057,000 | 26,553,000 | 27,495,000 |