Call reports 2019
FOWLER STATE BANK — 2019
What FOWLER STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 86,668,000 | 82,543,000 | 84,772,000 | 87,413,000 |
| Total loans | 43,517,000 | 43,930,000 | 43,303,000 | 42,457,000 |
| Allowance for loan losses | 1,356,000 | 1,362,000 | 1,292,000 | 1,002,000 |
| Securities available for sale | 971,000 | 978,000 | 996,000 | 995,000 |
| Securities held to maturity | 25,936,000 | 22,233,000 | 23,330,000 | 27,332,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,005,000 | 69,478,000 | 71,285,000 | 74,417,000 |
| Interest-bearing deposits | 65,452,000 | 61,014,000 | 62,927,000 | 63,776,000 |
| Noninterest-bearing deposits | 8,553,000 | 8,464,000 | 8,358,000 | 10,641,000 |
| Equity capital | 12,291,000 | 12,548,000 | 12,847,000 | 12,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 881,000 | 1,753,000 | 2,645,000 | 3,514,000 |
| Interest expense | 208,000 | 432,000 | 668,000 | 904,000 |
| Net interest income | 673,000 | 1,321,000 | 1,977,000 | 2,610,000 |
| Noninterest income | 87,000 | 176,000 | 250,000 | 337,000 |
| Noninterest expense | 322,000 | 749,000 | 1,125,000 | 1,979,000 |
| Provision for loan losses | 49,000 | 55,000 | 56,000 | 81,000 |
| Pretax income | 389,000 | 693,000 | 1,046,000 | 887,000 |
| Income tax | 87,000 | 142,000 | 214,000 | 157,000 |
| Net income | 302,000 | 551,000 | 832,000 | 730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,320,000 | 12,570,000 | 12,851,000 | 12,709,000 |
| Total capital | 12,987,000 | 13,228,000 | 13,507,000 | 13,362,000 |
| Risk-weighted assets | 52,723,000 | 51,987,000 | 51,853,000 | 51,948,000 |