Call reports 2012
FOWLER STATE BANK — 2012
What FOWLER STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 134,427,000 | 136,678,000 | 138,047,000 | 142,161,000 |
| Total loans | 66,769,000 | 70,262,000 | 70,817,000 | 66,668,000 |
| Allowance for loan losses | 2,029,000 | 1,912,000 | 2,056,000 | 2,201,000 |
| Securities available for sale | 50,118,000 | 57,288,000 | 56,067,000 | 62,263,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,725,000 | 96,115,000 | 97,919,000 | 104,511,000 |
| Interest-bearing deposits | 90,687,000 | 92,244,000 | 94,032,000 | 99,834,000 |
| Noninterest-bearing deposits | 4,038,000 | 3,871,000 | 3,887,000 | 4,677,000 |
| Equity capital | 18,214,000 | 18,581,000 | 19,180,000 | 18,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,626,000 | 3,237,000 | 4,859,000 | 6,435,000 |
| Interest expense | 285,000 | 570,000 | 840,000 | 1,088,000 |
| Net interest income | 1,341,000 | 2,667,000 | 4,019,000 | 5,347,000 |
| Noninterest income | 3,000 | 111,000 | 246,000 | 407,000 |
| Noninterest expense | 1,060,000 | 2,028,000 | 2,979,000 | 4,029,000 |
| Provision for loan losses | -100,000 | -100,000 | 50,000 | 200,000 |
| Pretax income | 1,333,000 | 1,814,000 | 2,488,000 | 2,850,000 |
| Income tax | 475,000 | 600,000 | 849,000 | 960,000 |
| Net income | 858,000 | 1,214,000 | 1,639,000 | 1,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,039,000 | 17,094,000 | 17,520,000 | 17,085,000 |
| Total capital | 18,140,000 | 18,269,000 | 18,559,000 | 18,237,000 |
| Risk-weighted assets | 87,189,000 | 93,225,000 | 82,104,000 | 91,121,000 |
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