Call reports 2013
FOWLER STATE BANK — 2013
What FOWLER STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 68,796,000 | 68,527,000 | 68,341,000 | 68,505,000 |
| Total loans | 32,639,000 | 31,985,000 | 31,821,000 | 31,669,000 |
| Allowance for loan losses | 1,133,000 | 1,145,000 | 1,154,000 | 1,173,000 |
| Securities available for sale | 1,053,000 | 1,043,000 | 1,036,000 | 1,044,000 |
| Securities held to maturity | 27,744,000 | 26,861,000 | 26,163,000 | 23,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,528,000 | 58,901,000 | 58,452,000 | 59,013,000 |
| Interest-bearing deposits | 54,080,000 | 54,036,000 | 53,144,000 | 53,261,000 |
| Noninterest-bearing deposits | 5,448,000 | 4,865,000 | 5,308,000 | 5,752,000 |
| Equity capital | 9,035,000 | 9,335,000 | 9,433,000 | 9,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 600,000 | 1,206,000 | 1,803,000 | 2,393,000 |
| Interest expense | 82,000 | 158,000 | 234,000 | 306,000 |
| Net interest income | 518,000 | 1,048,000 | 1,569,000 | 2,087,000 |
| Noninterest income | 79,000 | 274,000 | 348,000 | 425,000 |
| Noninterest expense | 207,000 | 466,000 | 882,000 | 1,509,000 |
| Provision for loan losses | 31,000 | 37,000 | 38,000 | 131,000 |
| Pretax income | 359,000 | 819,000 | 997,000 | 872,000 |
| Income tax | 98,000 | 251,000 | 326,000 | 273,000 |
| Net income | 261,000 | 568,000 | 671,000 | 599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,023,000 | 9,328,000 | 9,433,000 | 9,326,000 |
| Total capital | 9,473,000 | 9,767,000 | 9,872,000 | 9,760,000 |
| Risk-weighted assets | 35,349,000 | 34,392,000 | 34,442,000 | 33,980,000 |