Call reports 2011
FOWLER STATE BANK — 2011
What FOWLER STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 64,271,000 | 65,437,000 | 65,670,000 | 66,415,000 |
| Total loans | 34,426,000 | 34,569,000 | 34,344,000 | 32,604,000 |
| Allowance for loan losses | 1,129,000 | 1,208,000 | 1,046,000 | 818,000 |
| Securities available for sale | 998,000 | 1,012,000 | 1,012,000 | 1,002,000 |
| Securities held to maturity | 20,468,000 | 23,446,000 | 20,881,000 | 23,708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,054,000 | 57,017,000 | 57,035,000 | 57,925,000 |
| Interest-bearing deposits | 51,030,000 | 52,161,000 | 51,384,000 | 51,791,000 |
| Noninterest-bearing deposits | 5,024,000 | 4,856,000 | 5,651,000 | 6,134,000 |
| Equity capital | 7,901,000 | 8,089,000 | 8,263,000 | 8,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 619,000 | 1,293,000 | 1,955,000 | 2,604,000 |
| Interest expense | 147,000 | 292,000 | 427,000 | 545,000 |
| Net interest income | 472,000 | 1,001,000 | 1,528,000 | 2,059,000 |
| Noninterest income | 91,000 | 188,000 | 286,000 | 378,000 |
| Noninterest expense | 225,000 | 510,000 | 777,000 | 1,223,000 |
| Provision for loan losses | 96,000 | 201,000 | 321,000 | 486,000 |
| Pretax income | 242,000 | 478,000 | 716,000 | 728,000 |
| Income tax | 69,000 | 130,000 | 195,000 | 176,000 |
| Net income | 173,000 | 348,000 | 521,000 | 552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,903,000 | 8,078,000 | 8,251,000 | 8,262,000 |
| Total capital | 8,358,000 | 8,540,000 | 8,714,000 | 8,708,000 |
| Risk-weighted assets | 35,744,000 | 36,238,000 | 36,484,000 | 35,308,000 |