Call reports 2020
FOWLER STATE BANK — 2020
What FOWLER STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 87,408,000 | 93,961,000 | 96,956,000 | 102,143,000 |
| Total loans | 41,198,000 | 44,666,000 | 45,357,000 | 41,834,000 |
| Allowance for loan losses | 1,029,000 | 1,055,000 | 1,077,000 | 1,077,000 |
| Securities available for sale | 1,006,000 | 1,026,000 | 1,013,000 | 1,011,000 |
| Securities held to maturity | 27,457,000 | 27,740,000 | 30,628,000 | 36,582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,959,000 | 78,623,000 | 81,275,000 | 88,017,000 |
| Interest-bearing deposits | 65,218,000 | 68,143,000 | 70,071,000 | 74,018,000 |
| Noninterest-bearing deposits | 8,741,000 | 10,480,000 | 11,204,000 | 13,999,000 |
| Equity capital | 13,041,000 | 13,407,000 | 13,659,000 | 13,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 877,000 | 1,839,000 | 2,680,000 | 3,542,000 |
| Interest expense | 228,000 | 419,000 | 579,000 | 711,000 |
| Net interest income | 649,000 | 1,420,000 | 2,101,000 | 2,831,000 |
| Noninterest income | 73,000 | 140,000 | 209,000 | 283,000 |
| Noninterest expense | 309,000 | 707,000 | 1,124,000 | 1,910,000 |
| Provision for loan losses | -2,000 | 19,000 | 24,000 | -169,000 |
| Pretax income | 415,000 | 849,000 | 1,177,000 | 1,388,000 |
| Income tax | 89,000 | 176,000 | 240,000 | 274,000 |
| Net income | 326,000 | 673,000 | 937,000 | 1,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,035,000 | 13,381,000 | 13,646,000 | 13,788,000 |