Call reports 2019
FOWLER STATE BANK — 2019
What FOWLER STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 163,427,000 | 161,136,000 | 163,619,000 | 167,253,000 |
| Total loans | 78,749,000 | 81,041,000 | 82,399,000 | 82,118,000 |
| Allowance for loan losses | 2,180,000 | 2,164,000 | 2,127,000 | 2,068,000 |
| Securities available for sale | 76,083,000 | 74,790,000 | 74,865,000 | 77,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,010,000 | 121,484,000 | 124,481,000 | 126,505,000 |
| Interest-bearing deposits | 118,070,000 | 112,990,000 | 115,616,000 | 117,086,000 |
| Noninterest-bearing deposits | 8,940,000 | 8,494,000 | 8,865,000 | 9,419,000 |
| Equity capital | 23,865,000 | 25,027,000 | 25,734,000 | 24,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,904,000 | 3,883,000 | 5,814,000 | 7,760,000 |
| Interest expense | 270,000 | 585,000 | 880,000 | 1,135,000 |
| Net interest income | 1,634,000 | 3,298,000 | 4,934,000 | 6,625,000 |
| Noninterest income | 182,000 | 333,000 | 547,000 | 759,000 |
| Noninterest expense | 1,185,000 | 2,374,000 | 3,576,000 | 5,242,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 702,000 | 1,784,000 | 2,423,000 | 2,749,000 |
| Income tax | 75,000 | 260,000 | 346,000 | 351,000 |
| Net income | 627,000 | 1,524,000 | 2,077,000 | 2,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,882,000 | 23,628,000 | 24,181,000 | 23,402,000 |
| Total capital | 24,340,000 | 25,097,000 | 25,663,000 | 24,896,000 |
| Risk-weighted assets | 115,926,000 | 116,843,000 | 117,979,000 | 118,960,000 |