Call reports 2016
FOWLER STATE BANK — 2016
What FOWLER STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 72,810,000 | 72,971,000 | 73,406,000 | 73,202,000 |
| Total loans | 32,540,000 | 33,423,000 | 33,169,000 | 34,124,000 |
| Allowance for loan losses | 1,159,000 | 1,226,000 | 1,226,000 | 1,111,000 |
| Securities available for sale | 1,009,000 | 1,006,000 | 1,003,000 | 972,000 |
| Securities held to maturity | 23,266,000 | 24,431,000 | 23,546,000 | 25,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,011,000 | 62,043,000 | 62,186,000 | 62,221,000 |
| Interest-bearing deposits | 56,102,000 | 56,836,000 | 56,163,000 | 56,152,000 |
| Noninterest-bearing deposits | 5,909,000 | 5,207,000 | 6,023,000 | 6,069,000 |
| Equity capital | 10,543,000 | 10,695,000 | 10,892,000 | 10,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 632,000 | 1,226,000 | 1,870,000 | 2,488,000 |
| Interest expense | 69,000 | 145,000 | 227,000 | 315,000 |
| Net interest income | 563,000 | 1,081,000 | 1,643,000 | 2,173,000 |
| Noninterest income | 73,000 | 134,000 | 204,000 | 269,000 |
| Noninterest expense | 238,000 | 524,000 | 890,000 | 1,598,000 |
| Provision for loan losses | 52,000 | 126,000 | 126,000 | 131,000 |
| Pretax income | 346,000 | 565,000 | 831,000 | 713,000 |
| Income tax | 107,000 | 174,000 | 242,000 | 173,000 |
| Net income | 239,000 | 391,000 | 589,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,542,000 | 10,695,000 | 10,893,000 | 10,780,000 |
| Total capital | 11,032,000 | 11,189,000 | 11,386,000 | 11,290,000 |
| Risk-weighted assets | 38,563,000 | 38,796,000 | 38,692,000 | 40,180,000 |