Call reports 2005
FOWLER STATE BANK — 2005
What FOWLER STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 48,708,000 | 49,216,000 | 49,706,000 | 50,458,000 |
| Total loans | 22,255,000 | 22,602,000 | 22,954,000 | 23,070,000 |
| Allowance for loan losses | 723,000 | 723,000 | 728,000 | 721,000 |
| Securities available for sale | 493,000 | 998,000 | 993,000 | 488,000 |
| Securities held to maturity | 22,932,000 | 22,885,000 | 22,804,000 | 23,655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,119,000 | 42,382,000 | 42,589,000 | 43,798,000 |
| Interest-bearing deposits | 37,784,000 | 38,304,000 | 38,389,000 | 39,009,000 |
| Noninterest-bearing deposits | 4,335,000 | 4,078,000 | 4,200,000 | 4,789,000 |
| Equity capital | 6,216,000 | 6,372,000 | 6,547,000 | 6,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 628,000 | 1,263,000 | 1,938,000 | 2,608,000 |
| Interest expense | 184,000 | 397,000 | 651,000 | 922,000 |
| Net interest income | 444,000 | 866,000 | 1,287,000 | 1,686,000 |
| Noninterest income | 76,000 | 158,000 | 255,000 | 338,000 |
| Noninterest expense | 177,000 | 494,000 | 743,000 | 1,395,000 |
| Provision for loan losses | 19,000 | -3,000 | 0 | 20,000 |
| Pretax income | 330,000 | 539,000 | 805,000 | 615,000 |
| Income tax | 107,000 | 164,000 | 250,000 | 182,000 |
| Net income | 223,000 | 375,000 | 555,000 | 433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,223,000 | 6,375,000 | 6,555,000 | 6,393,000 |
| Total capital | 6,612,000 | 6,769,000 | 6,903,000 | 6,795,000 |
| Risk-weighted assets | 30,825,000 | 31,204,000 | 27,459,000 | 31,801,000 |
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