Call reports 2014
FOWLER STATE BANK — 2014
What FOWLER STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 69,539,000 | 70,984,000 | 69,727,000 | 69,113,000 |
| Total loans | 31,363,000 | 33,378,000 | 33,186,000 | 32,025,000 |
| Allowance for loan losses | 1,040,000 | 1,121,000 | 1,305,000 | 1,013,000 |
| Securities available for sale | 1,038,000 | 1,036,000 | 1,032,000 | 1,030,000 |
| Securities held to maturity | 22,285,000 | 21,654,000 | 22,125,000 | 21,544,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,700,000 | 60,971,000 | 59,619,000 | 59,154,000 |
| Interest-bearing deposits | 53,833,000 | 53,473,000 | 53,917,000 | 53,121,000 |
| Noninterest-bearing deposits | 5,867,000 | 7,498,000 | 5,702,000 | 6,033,000 |
| Equity capital | 9,587,000 | 9,747,000 | 9,799,000 | 9,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 572,000 | 1,148,000 | 1,734,000 | 2,339,000 |
| Interest expense | 70,000 | 141,000 | 212,000 | 282,000 |
| Net interest income | 502,000 | 1,007,000 | 1,522,000 | 2,057,000 |
| Noninterest income | 76,000 | 146,000 | 218,000 | 278,000 |
| Noninterest expense | 215,000 | 497,000 | 834,000 | 1,425,000 |
| Provision for loan losses | 0 | 51,000 | 225,000 | 227,000 |
| Pretax income | 363,000 | 605,000 | 681,000 | 683,000 |
| Income tax | 111,000 | 193,000 | 216,000 | 190,000 |
| Net income | 252,000 | 412,000 | 465,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,579,000 | 9,739,000 | 9,792,000 | 9,785,000 |
| Total capital | 10,011,000 | 10,190,000 | 10,236,000 | 10,211,000 |
| Risk-weighted assets | 33,986,000 | 35,376,000 | 34,673,000 | 33,529,000 |