Call reports 2007
FOWLER STATE BANK — 2007
What FOWLER STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 52,011,000 | 52,500,000 | 53,117,000 | 53,457,000 |
| Total loans | 22,887,000 | 24,125,000 | 24,134,000 | 24,352,000 |
| Allowance for loan losses | 780,000 | 811,000 | 842,000 | 922,000 |
| Securities available for sale | 492,000 | 490,000 | 496,000 | 500,000 |
| Securities held to maturity | 24,311,000 | 23,680,000 | 24,199,000 | 24,957,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,980,000 | 45,323,000 | 45,684,000 | 46,357,000 |
| Interest-bearing deposits | 40,365,000 | 40,962,000 | 41,727,000 | 41,705,000 |
| Noninterest-bearing deposits | 4,615,000 | 4,361,000 | 3,957,000 | 4,652,000 |
| Equity capital | 6,673,000 | 6,766,000 | 6,902,000 | 6,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 754,000 | 1,516,000 | 2,325,000 | 3,169,000 |
| Interest expense | 397,000 | 815,000 | 1,241,000 | 1,672,000 |
| Net interest income | 357,000 | 701,000 | 1,084,000 | 1,497,000 |
| Noninterest income | 81,000 | 163,000 | 253,000 | 340,000 |
| Noninterest expense | 172,000 | 440,000 | 724,000 | 1,364,000 |
| Provision for loan losses | 1,000 | 16,000 | 22,000 | 66,000 |
| Pretax income | 265,000 | 408,000 | 591,000 | 407,000 |
| Income tax | 80,000 | 129,000 | 181,000 | 120,000 |
| Net income | 185,000 | 279,000 | 410,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,681,000 | 6,776,000 | 6,906,000 | 6,748,000 |
| Total capital | 7,077,000 | 7,178,000 | 7,318,000 | 7,155,000 |
| Risk-weighted assets | 31,310,000 | 31,745,000 | 32,535,000 | 32,026,000 |
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