Call reports 2004
FOWLER STATE BANK — 2004
What FOWLER STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 47,947,000 | 47,876,000 | 49,265,000 | 47,863,000 |
| Total loans | 21,871,000 | 22,131,000 | 21,752,000 | 21,900,000 |
| Allowance for loan losses | 713,000 | 780,000 | 780,000 | 770,000 |
| Securities available for sale | 0 | 513,000 | 515,000 | 510,000 |
| Securities held to maturity | 23,392,000 | 23,874,000 | 23,366,000 | 23,469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,819,000 | 41,471,000 | 42,487,000 | 41,478,000 |
| Interest-bearing deposits | 37,975,000 | 37,629,000 | 38,473,000 | 37,222,000 |
| Noninterest-bearing deposits | 3,844,000 | 3,842,000 | 4,014,000 | 4,256,000 |
| Equity capital | 5,795,000 | 5,912,000 | 6,061,000 | 6,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 590,000 | 1,232,000 | 1,873,000 | 2,518,000 |
| Interest expense | 179,000 | 350,000 | 526,000 | 705,000 |
| Net interest income | 411,000 | 882,000 | 1,347,000 | 1,813,000 |
| Noninterest income | 64,000 | 129,000 | 245,000 | 297,000 |
| Noninterest expense | 176,000 | 491,000 | 866,000 | 1,396,000 |
| Provision for loan losses | 57,000 | 124,000 | 121,000 | 134,000 |
| Pretax income | 242,000 | 396,000 | 605,000 | 580,000 |
| Income tax | 84,000 | 134,000 | 196,000 | 177,000 |
| Net income | 158,000 | 262,000 | 409,000 | 403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,795,000 | 5,899,000 | 6,046,000 | 6,000,000 |
| Total capital | 6,174,000 | 6,274,000 | 6,441,000 | 6,374,000 |
| Risk-weighted assets | 29,992,000 | 29,629,000 | 31,181,000 | 29,537,000 |
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