Call reports 2023
FOWLER STATE BANK — 2023
What FOWLER STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 203,488,000 | 202,329,000 | 202,111,000 | 211,120,000 |
| Total loans | 96,747,000 | 99,248,000 | 101,343,000 | 108,144,000 |
| Allowance for loan losses | 1,655,000 | 1,658,000 | 1,640,000 | 1,622,000 |
| Securities available for sale | 96,266,000 | 96,000,000 | 92,693,000 | 94,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,684,000 | 171,295,000 | 167,178,000 | 167,422,000 |
| Interest-bearing deposits | 167,562,000 | 163,713,000 | 160,610,000 | 160,602,000 |
| Noninterest-bearing deposits | 8,122,000 | 7,582,000 | 6,568,000 | 6,820,000 |
| Equity capital | 23,583,000 | 22,863,000 | 22,182,000 | 24,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,377,000 | 4,960,000 | 7,576,000 | 10,265,000 |
| Interest expense | 562,000 | 1,349,000 | 2,185,000 | 3,191,000 |
| Net interest income | 1,815,000 | 3,611,000 | 5,391,000 | 7,074,000 |
| Noninterest income | 256,000 | 559,000 | 842,000 | 1,149,000 |
| Noninterest expense | 1,218,000 | 2,604,000 | 3,836,000 | 5,174,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 594,000 | 1,320,000 | 2,154,000 | 2,843,000 |
| Income tax | 90,000 | 217,000 | 373,000 | 516,000 |
| Net income | 504,000 | 1,103,000 | 1,781,000 | 2,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,321,000 | 28,670,000 | 29,197,000 | 28,913,000 |