Call reports 2015
FOWLER STATE BANK — 2015
What FOWLER STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 141,237,000 | 144,297,000 | 144,234,000 | 145,227,000 |
| Total loans | 65,208,000 | 68,581,000 | 69,290,000 | 68,354,000 |
| Allowance for loan losses | 2,048,000 | 2,115,000 | 2,097,000 | 2,062,000 |
| Securities available for sale | 66,008,000 | 72,494,000 | 69,178,000 | 72,763,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,911,000 | 110,276,000 | 111,000,000 | 112,462,000 |
| Interest-bearing deposits | 100,881,000 | 101,706,000 | 103,537,000 | 104,014,000 |
| Noninterest-bearing deposits | 9,030,000 | 8,570,000 | 7,463,000 | 8,448,000 |
| Equity capital | 20,589,000 | 20,175,000 | 20,799,000 | 21,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,480,000 | 3,011,000 | 4,573,000 | 6,164,000 |
| Interest expense | 119,000 | 240,000 | 373,000 | 504,000 |
| Net interest income | 1,361,000 | 2,771,000 | 4,200,000 | 5,660,000 |
| Noninterest income | 167,000 | 309,000 | 494,000 | 631,000 |
| Noninterest expense | 1,149,000 | 2,243,000 | 3,326,000 | 4,613,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 652,000 | 1,080,000 | 1,616,000 | 1,957,000 |
| Income tax | 115,000 | 161,000 | 235,000 | 276,000 |
| Net income | 537,000 | 919,000 | 1,381,000 | 1,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,171,000 | 19,403,000 | 19,866,000 | 19,891,000 |
| Total capital | 20,369,000 | 20,698,000 | 21,152,000 | 21,190,000 |
| Risk-weighted assets | 95,002,000 | 102,857,000 | 102,101,000 | 103,222,000 |