Call reports 2016
FOWLER STATE BANK — 2016
What FOWLER STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 147,858,000 | 151,782,000 | 155,874,000 | 157,698,000 |
| Total loans | 71,649,000 | 73,194,000 | 74,878,000 | 73,270,000 |
| Allowance for loan losses | 2,039,000 | 1,983,000 | 2,046,000 | 2,150,000 |
| Securities available for sale | 72,305,000 | 75,727,000 | 76,218,000 | 78,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,432,000 | 111,988,000 | 113,233,000 | 118,563,000 |
| Interest-bearing deposits | 100,947,000 | 100,430,000 | 101,349,000 | 105,079,000 |
| Noninterest-bearing deposits | 13,485,000 | 11,558,000 | 11,884,000 | 13,484,000 |
| Equity capital | 21,955,000 | 22,891,000 | 23,217,000 | 20,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,564,000 | 3,196,000 | 4,861,000 | 6,541,000 |
| Interest expense | 124,000 | 253,000 | 389,000 | 531,000 |
| Net interest income | 1,440,000 | 2,943,000 | 4,472,000 | 6,010,000 |
| Noninterest income | 149,000 | 284,000 | 443,000 | 603,000 |
| Noninterest expense | 1,107,000 | 2,194,000 | 3,315,000 | 4,454,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 250,000 |
| Pretax income | 746,000 | 1,320,000 | 1,925,000 | 2,337,000 |
| Income tax | 115,000 | 193,000 | 288,000 | 375,000 |
| Net income | 631,000 | 1,127,000 | 1,637,000 | 1,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,522,000 | 20,917,000 | 21,429,000 | 20,703,000 |
| Total capital | 21,841,000 | 22,294,000 | 22,833,000 | 22,112,000 |
| Risk-weighted assets | 104,863,000 | 109,589,000 | 111,744,000 | 111,998,000 |