Call reports 2017
FOWLER STATE BANK — 2017
What FOWLER STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 73,524,000 | 76,337,000 | 76,743,000 | 78,153,000 |
| Total loans | 35,415,000 | 37,101,000 | 38,145,000 | 40,274,000 |
| Allowance for loan losses | 1,103,000 | 1,117,000 | 1,148,000 | 1,194,000 |
| Securities available for sale | 976,000 | 985,000 | 988,000 | 974,000 |
| Securities held to maturity | 24,286,000 | 24,279,000 | 23,271,000 | 22,526,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,250,000 | 64,690,000 | 64,764,000 | 66,686,000 |
| Interest-bearing deposits | 56,029,000 | 59,496,000 | 58,174,000 | 58,433,000 |
| Noninterest-bearing deposits | 6,221,000 | 5,194,000 | 6,590,000 | 8,253,000 |
| Equity capital | 11,056,000 | 11,233,000 | 11,413,000 | 11,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 638,000 | 1,292,000 | 1,988,000 | 2,710,000 |
| Interest expense | 84,000 | 175,000 | 272,000 | 372,000 |
| Net interest income | 554,000 | 1,117,000 | 1,716,000 | 2,338,000 |
| Noninterest income | 78,000 | 158,000 | 239,000 | 312,000 |
| Noninterest expense | 257,000 | 655,000 | 1,035,000 | 1,886,000 |
| Provision for loan losses | -11,000 | -19,000 | 25,000 | 78,000 |
| Pretax income | 386,000 | 639,000 | 895,000 | 686,000 |
| Income tax | 113,000 | 199,000 | 277,000 | 183,000 |
| Net income | 273,000 | 440,000 | 618,000 | 503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,056,000 | 11,233,000 | 11,413,000 | 11,275,000 |
| Total capital | 11,568,000 | 11,767,000 | 11,959,000 | 11,840,000 |
| Risk-weighted assets | 40,377,000 | 42,131,000 | 43,038,000 | 44,644,000 |