Call reports 2014
FOWLER STATE BANK — 2014
What FOWLER STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 134,104,000 | 138,706,000 | 138,656,000 | 141,972,000 |
| Total loans | 58,686,000 | 61,973,000 | 64,227,000 | 65,736,000 |
| Allowance for loan losses | 2,072,000 | 2,068,000 | 2,056,000 | 2,035,000 |
| Securities available for sale | 65,507,000 | 70,711,000 | 69,064,000 | 70,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,109,000 | 106,102,000 | 108,999,000 | 109,832,000 |
| Interest-bearing deposits | 94,962,000 | 98,106,000 | 100,513,000 | 100,704,000 |
| Noninterest-bearing deposits | 9,147,000 | 7,996,000 | 8,486,000 | 9,128,000 |
| Equity capital | 18,696,000 | 19,478,000 | 20,072,000 | 19,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,405,000 | 2,900,000 | 4,420,000 | 5,982,000 |
| Interest expense | 144,000 | 280,000 | 413,000 | 549,000 |
| Net interest income | 1,261,000 | 2,620,000 | 4,007,000 | 5,433,000 |
| Noninterest income | 171,000 | 311,000 | 458,000 | 599,000 |
| Noninterest expense | 1,114,000 | 2,192,000 | 3,268,000 | 4,241,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 260,000 | 709,000 | 1,251,000 | 1,863,000 |
| Income tax | -25,000 | 39,000 | 142,000 | 270,000 |
| Net income | 285,000 | 670,000 | 1,109,000 | 1,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,033,000 | 18,419,000 | 18,858,000 | 18,635,000 |
| Total capital | 19,138,000 | 19,589,000 | 20,057,000 | 19,863,000 |
| Risk-weighted assets | 87,450,000 | 92,706,000 | 95,055,000 | 97,467,000 |