Call reports 2010
FOWLER STATE BANK — 2010
What FOWLER STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 61,990,000 | 64,900,000 | 64,188,000 | 63,004,000 |
| Total loans | 32,115,000 | 35,709,000 | 35,699,000 | 34,584,000 |
| Allowance for loan losses | 1,063,000 | 1,136,000 | 884,000 | 1,021,000 |
| Securities available for sale | 500,000 | 504,000 | 501,000 | 0 |
| Securities held to maturity | 21,206,000 | 20,981,000 | 21,276,000 | 19,221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,074,000 | 56,793,000 | 55,849,000 | 55,020,000 |
| Interest-bearing deposits | 49,490,000 | 52,469,000 | 51,404,000 | 50,392,000 |
| Noninterest-bearing deposits | 4,584,000 | 4,324,000 | 4,445,000 | 4,628,000 |
| Equity capital | 7,497,000 | 7,666,000 | 7,851,000 | 7,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 667,000 | 1,337,000 | 1,935,000 | 2,569,000 |
| Interest expense | 198,000 | 378,000 | 527,000 | 706,000 |
| Net interest income | 469,000 | 959,000 | 1,408,000 | 1,863,000 |
| Noninterest income | 81,000 | 186,000 | 288,000 | 383,000 |
| Noninterest expense | 223,000 | 530,000 | 783,000 | 1,296,000 |
| Provision for loan losses | 6,000 | 79,000 | 132,000 | 344,000 |
| Pretax income | 321,000 | 536,000 | 781,000 | 606,000 |
| Income tax | 105,000 | 156,000 | 212,000 | 127,000 |
| Net income | 216,000 | 380,000 | 569,000 | 479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,497,000 | 7,662,000 | 7,849,000 | 7,730,000 |
| Total capital | 7,943,000 | 8,139,000 | 8,314,000 | 8,179,000 |
| Risk-weighted assets | 35,063,000 | 37,495,000 | 36,771,000 | 35,352,000 |