Call reports 2003
FOWLER STATE BANK — 2003
What FOWLER STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 49,407,000 | 48,911,000 | 48,926,000 | 48,893,000 |
| Total loans | 21,626,000 | 21,429,000 | 21,514,000 | 21,811,000 |
| Allowance for loan losses | 909,000 | 952,000 | 576,000 | 658,000 |
| Securities available for sale | 500,000 | 504,000 | 501,000 | 500,000 |
| Securities held to maturity | 21,340,000 | 19,935,000 | 22,914,000 | 22,668,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,564,000 | 42,861,000 | 42,618,000 | 42,974,000 |
| Interest-bearing deposits | 40,063,000 | 39,370,000 | 38,466,000 | 38,866,000 |
| Noninterest-bearing deposits | 3,501,000 | 3,491,000 | 4,152,000 | 4,108,000 |
| Equity capital | 5,512,000 | 5,604,000 | 5,680,000 | 5,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 643,000 | 1,310,000 | 1,964,000 | 2,631,000 |
| Interest expense | 262,000 | 503,000 | 715,000 | 909,000 |
| Net interest income | 381,000 | 807,000 | 1,249,000 | 1,722,000 |
| Noninterest income | 61,000 | 126,000 | 198,000 | 256,000 |
| Noninterest expense | 166,000 | 471,000 | 821,000 | 1,345,000 |
| Provision for loan losses | 109,000 | 151,000 | 200,000 | 254,000 |
| Pretax income | 167,000 | 311,000 | 426,000 | 379,000 |
| Income tax | 52,000 | 108,000 | 144,000 | 99,000 |
| Net income | 115,000 | 203,000 | 282,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,512,000 | 5,600,000 | 5,679,000 | 5,637,000 |
| Total capital | 5,916,000 | 6,013,000 | 6,064,000 | 6,021,000 |
| Risk-weighted assets | 31,805,000 | 32,511,000 | 30,624,000 | 30,452,000 |
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