Call reports 2009
FOWLER STATE BANK — 2009
What FOWLER STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 59,734,000 | 60,964,000 | 61,111,000 | 62,548,000 |
| Total loans | 28,521,000 | 29,320,000 | 30,517,000 | 32,256,000 |
| Allowance for loan losses | 1,128,000 | 1,152,000 | 1,170,000 | 1,043,000 |
| Securities available for sale | 502,000 | 2,012,000 | 2,012,000 | 1,507,000 |
| Securities held to maturity | 21,810,000 | 24,029,000 | 22,004,000 | 20,628,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,434,000 | 53,419,000 | 53,356,000 | 54,923,000 |
| Interest-bearing deposits | 48,292,000 | 49,468,000 | 49,400,000 | 50,898,000 |
| Noninterest-bearing deposits | 4,142,000 | 3,951,000 | 3,956,000 | 4,025,000 |
| Equity capital | 6,948,000 | 7,089,000 | 7,256,000 | 7,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 689,000 | 1,349,000 | 2,004,000 | 2,688,000 |
| Interest expense | 314,000 | 614,000 | 892,000 | 1,130,000 |
| Net interest income | 375,000 | 735,000 | 1,112,000 | 1,558,000 |
| Noninterest income | 88,000 | 179,000 | 268,000 | 345,000 |
| Noninterest expense | 198,000 | 477,000 | 742,000 | 1,190,000 |
| Provision for loan losses | 8,000 | 4,000 | 5,000 | 10,000 |
| Pretax income | 257,000 | 433,000 | 633,000 | 703,000 |
| Income tax | 87,000 | 130,000 | 164,000 | 167,000 |
| Net income | 170,000 | 303,000 | 469,000 | 536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,946,000 | 7,077,000 | 7,245,000 | 7,281,000 |
| Total capital | 7,354,000 | 7,495,000 | 7,677,000 | 7,730,000 |
| Risk-weighted assets | 31,914,000 | 32,680,000 | 33,803,000 | 35,361,000 |
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