Call reports 2012
FOWLER STATE BANK — 2012
What FOWLER STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 68,430,000 | 66,781,000 | 67,002,000 | 69,175,000 |
| Total loans | 32,747,000 | 32,363,000 | 31,128,000 | 32,374,000 |
| Allowance for loan losses | 827,000 | 934,000 | 936,000 | 1,039,000 |
| Securities available for sale | 1,039,000 | 1,040,000 | 1,066,000 | 1,061,000 |
| Securities held to maturity | 26,352,000 | 27,497,000 | 25,010,000 | 27,712,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,616,000 | 57,752,000 | 57,749,000 | 60,239,000 |
| Interest-bearing deposits | 53,118,000 | 52,778,000 | 52,172,000 | 53,886,000 |
| Noninterest-bearing deposits | 6,498,000 | 4,974,000 | 5,577,000 | 6,353,000 |
| Equity capital | 8,502,000 | 8,661,000 | 8,838,000 | 8,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 608,000 | 1,236,000 | 1,841,000 | 2,437,000 |
| Interest expense | 112,000 | 212,000 | 308,000 | 398,000 |
| Net interest income | 496,000 | 1,024,000 | 1,533,000 | 2,039,000 |
| Noninterest income | 88,000 | 175,000 | 248,000 | 328,000 |
| Noninterest expense | 229,000 | 518,000 | 830,000 | 1,388,000 |
| Provision for loan losses | 18,000 | 116,000 | 202,000 | 328,000 |
| Pretax income | 337,000 | 565,000 | 749,000 | 651,000 |
| Income tax | 84,000 | 154,000 | 186,000 | 131,000 |
| Net income | 253,000 | 411,000 | 563,000 | 520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,515,000 | 8,674,000 | 8,825,000 | 8,762,000 |
| Total capital | 8,971,000 | 9,121,000 | 9,261,000 | 9,211,000 |
| Risk-weighted assets | 36,119,000 | 35,252,000 | 34,403,000 | 35,311,000 |