Call reports 2022
FOWLER STATE BANK — 2022
What FOWLER STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 212,117,000 | 217,962,000 | 207,191,000 | 204,803,000 |
| Total loans | 88,768,000 | 94,257,000 | 99,478,000 | 95,371,000 |
| Allowance for loan losses | 1,717,000 | 1,720,000 | 1,720,000 | 1,681,000 |
| Securities available for sale | 104,039,000 | 103,496,000 | 99,246,000 | 100,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,720,000 | 187,018,000 | 177,566,000 | 178,425,000 |
| Interest-bearing deposits | 166,820,000 | 178,263,000 | 168,901,000 | 170,358,000 |
| Noninterest-bearing deposits | 8,900,000 | 8,755,000 | 8,665,000 | 8,067,000 |
| Equity capital | 24,946,000 | 22,626,000 | 21,912,000 | 21,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,768,000 | 3,744,000 | 5,932,000 | 8,292,000 |
| Interest expense | 112,000 | 263,000 | 549,000 | 1,051,000 |
| Net interest income | 1,656,000 | 3,481,000 | 5,383,000 | 7,241,000 |
| Noninterest income | 274,000 | 505,000 | 743,000 | 1,058,000 |
| Noninterest expense | 1,239,000 | 2,479,000 | 3,740,000 | 5,050,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 663,000 | 1,319,000 | 2,167,000 | 3,018,000 |
| Income tax | 88,000 | 220,000 | 356,000 | 422,000 |
| Net income | 575,000 | 1,099,000 | 1,811,000 | 2,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,771,000 | 27,160,000 | 27,872,000 | 27,858,000 |