Call reports 2020
FOWLER STATE BANK — 2020
What FOWLER STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 171,103,000 | 177,265,000 | 185,177,000 | 202,647,000 |
| Total loans | 87,740,000 | 94,701,000 | 97,569,000 | 91,616,000 |
| Allowance for loan losses | 2,075,000 | 2,050,000 | 2,046,000 | 2,008,000 |
| Securities available for sale | 73,445,000 | 77,059,000 | 71,249,000 | 79,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,407,000 | 133,814,000 | 140,813,000 | 158,031,000 |
| Interest-bearing deposits | 120,069,000 | 124,594,000 | 133,054,000 | 149,813,000 |
| Noninterest-bearing deposits | 8,338,000 | 9,220,000 | 7,759,000 | 8,218,000 |
| Equity capital | 24,502,000 | 25,806,000 | 26,717,000 | 27,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,931,000 | 3,835,000 | 5,731,000 | 7,590,000 |
| Interest expense | 218,000 | 388,000 | 535,000 | 688,000 |
| Net interest income | 1,713,000 | 3,447,000 | 5,196,000 | 6,902,000 |
| Noninterest income | 213,000 | 382,000 | 630,000 | 938,000 |
| Noninterest expense | 1,275,000 | 2,601,000 | 3,864,000 | 5,322,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 825,000 | 1,481,000 | 2,460,000 | 2,813,000 |
| Income tax | 125,000 | 206,000 | 397,000 | 389,000 |
| Net income | 700,000 | 1,275,000 | 2,063,000 | 2,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,103,000 | 24,578,000 | 25,366,000 | 25,402,000 |
| Total capital | 25,620,000 | — | — | — |
| Risk-weighted assets | 120,876,000 | — | — | — |