Call reports 2025
FOWLER STATE BANK — 2025
What FOWLER STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 193,882,000 | 198,510,000 | 198,072,000 | 203,431,000 |
| Total loans | 119,995,000 | 125,848,000 | 127,264,000 | 128,368,000 |
| Allowance for loan losses | 1,429,000 | 1,484,000 | 1,758,000 | 1,950,000 |
| Securities available for sale | 66,324,000 | 65,583,000 | 63,995,000 | 67,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,770,000 | 150,840,000 | 148,404,000 | 153,966,000 |
| Interest-bearing deposits | 148,239,000 | 142,368,000 | 140,883,000 | 146,286,000 |
| Noninterest-bearing deposits | 9,531,000 | 8,472,000 | 7,521,000 | 7,680,000 |
| Equity capital | 26,921,000 | 27,654,000 | 28,915,000 | 27,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,757,000 | 5,661,000 | 8,557,000 | 11,508,000 |
| Interest expense | 788,000 | 1,621,000 | 2,426,000 | 3,223,000 |
| Net interest income | 1,969,000 | 4,040,000 | 6,131,000 | 8,285,000 |
| Noninterest income | 278,000 | 601,000 | 917,000 | 1,248,000 |
| Noninterest expense | 1,327,000 | 2,643,000 | 4,119,000 | 5,605,000 |
| Provision for loan losses | 0 | 60,000 | 381,000 | 586,000 |
| Pretax income | 605,000 | 1,599,000 | 2,186,000 | 2,982,000 |
| Income tax | 102,000 | 309,000 | 433,000 | 514,000 |
| Net income | 503,000 | 1,290,000 | 1,753,000 | 2,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,162,000 | 30,548,000 | 31,012,000 | 29,827,000 |