Call reports 2013
FOWLER STATE BANK — 2013
What FOWLER STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 142,577,000 | 140,111,000 | 135,338,000 | 134,551,000 |
| Total loans | 61,619,000 | 64,710,000 | 66,823,000 | 63,075,000 |
| Allowance for loan losses | 2,072,000 | 2,128,000 | 2,183,000 | 2,069,000 |
| Securities available for sale | 69,746,000 | 70,023,000 | 62,339,000 | 63,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,212,000 | 0 | 0 | 0 |
| Total deposits | 109,919,000 | 103,644,000 | 103,420,000 | 100,508,000 |
| Interest-bearing deposits | 104,857,000 | 100,076,000 | 99,180,000 | 95,688,000 |
| Noninterest-bearing deposits | 5,062,000 | 3,568,000 | 4,240,000 | 4,820,000 |
| Equity capital | 18,895,000 | 18,044,000 | 18,183,000 | 17,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,475,000 | 2,964,000 | 4,484,000 | 6,104,000 |
| Interest expense | 204,000 | 384,000 | 560,000 | 726,000 |
| Net interest income | 1,271,000 | 2,580,000 | 3,924,000 | 5,378,000 |
| Noninterest income | 161,000 | 335,000 | 485,000 | 615,000 |
| Noninterest expense | 948,000 | 1,858,000 | 2,838,000 | 3,867,000 |
| Provision for loan losses | 0 | 35,000 | 185,000 | 185,000 |
| Pretax income | 592,000 | 1,189,000 | 1,531,000 | 1,982,000 |
| Income tax | 116,000 | 254,000 | 373,000 | 459,000 |
| Net income | 476,000 | 935,000 | 1,158,000 | 1,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,561,000 | 17,885,000 | 18,108,000 | 17,748,000 |
| Total capital | 18,743,000 | 19,091,000 | 19,316,000 | 18,900,000 |
| Risk-weighted assets | 93,697,000 | 95,567,000 | 95,633,000 | 91,214,000 |
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