Call reports 2007
FOWLER STATE BANK — 2007
What FOWLER 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 | 116,465,000 | 122,921,000 | 114,993,000 | 122,976,000 |
| Total loans | 71,398,000 | 71,730,000 | 70,769,000 | 69,220,000 |
| Allowance for loan losses | 1,390,000 | 844,000 | 934,000 | 932,000 |
| Securities available for sale | 34,898,000 | 34,777,000 | 34,652,000 | 39,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,169,000 | 89,093,000 | 79,394,000 | 83,871,000 |
| Interest-bearing deposits | 80,434,000 | 86,374,000 | 75,655,000 | 80,685,000 |
| Noninterest-bearing deposits | 3,735,000 | 2,719,000 | 3,739,000 | 3,186,000 |
| Equity capital | 15,662,000 | 15,232,000 | 15,868,000 | 16,009,000 |
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 | 1,961,000 | 3,878,000 | 5,893,000 | 7,881,000 |
| Interest expense | 885,000 | 1,784,000 | 2,652,000 | 3,462,000 |
| Net interest income | 1,076,000 | 2,094,000 | 3,241,000 | 4,419,000 |
| Noninterest income | 149,000 | 303,000 | 471,000 | 644,000 |
| Noninterest expense | 810,000 | 1,636,000 | 2,492,000 | 3,299,000 |
| Provision for loan losses | 190,000 | 490,000 | 497,000 | 497,000 |
| Pretax income | 225,000 | 265,000 | 743,000 | 1,370,000 |
| Income tax | 48,000 | 73,000 | 131,000 | 341,000 |
| Net income | 177,000 | 192,000 | 612,000 | 1,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,688,000 | 15,507,000 | 15,899,000 | 15,838,000 |
| Total capital | 16,683,000 | 16,351,000 | 16,833,000 | 16,770,000 |
| Risk-weighted assets | 79,232,000 | 79,895,000 | 79,580,000 | 77,279,000 |
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