Call reports 2006
FOWLER STATE BANK — 2006
What FOWLER STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 50,660,000 | 51,436,000 | 52,395,000 | 52,146,000 |
| Total loans | 22,214,000 | 23,444,000 | 23,691,000 | 23,533,000 |
| Allowance for loan losses | 750,000 | 796,000 | 739,000 | 751,000 |
| Securities available for sale | 487,000 | 484,000 | 490,000 | 491,000 |
| Securities held to maturity | 24,987,000 | 23,684,000 | 24,706,000 | 24,565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,717,000 | 44,365,000 | 45,218,000 | 45,381,000 |
| Interest-bearing deposits | 39,162,000 | 40,012,000 | 40,755,000 | 40,563,000 |
| Noninterest-bearing deposits | 4,555,000 | 4,353,000 | 4,463,000 | 4,818,000 |
| Equity capital | 6,559,000 | 6,710,000 | 6,773,000 | 6,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 687,000 | 1,378,000 | 2,005,000 | 2,756,000 |
| Interest expense | 306,000 | 640,000 | 1,007,000 | 1,396,000 |
| Net interest income | 381,000 | 738,000 | 998,000 | 1,360,000 |
| Noninterest income | 83,000 | 171,000 | 254,000 | 337,000 |
| Noninterest expense | 184,000 | 384,000 | 599,000 | 1,442,000 |
| Provision for loan losses | 8,000 | 36,000 | 75,000 | 66,000 |
| Pretax income | 272,000 | 489,000 | 578,000 | 189,000 |
| Income tax | 93,000 | 155,000 | 187,000 | 51,000 |
| Net income | 179,000 | 334,000 | 391,000 | 138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,572,000 | 6,726,000 | 6,783,000 | 6,497,000 |
| Total capital | 6,955,000 | 7,113,000 | 7,182,000 | 6,892,000 |
| Risk-weighted assets | 30,256,000 | 30,539,000 | 31,564,000 | 31,223,000 |
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