Call reports 2022
FOWLER STATE BANK — 2022
What FOWLER STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 123,955,000 | 123,961,000 | 130,431,000 | 127,193,000 |
| Total loans | 52,216,000 | 56,292,000 | 56,771,000 | 60,004,000 |
| Allowance for loan losses | 1,132,000 | 1,154,000 | 1,140,000 | 1,173,000 |
| Securities available for sale | 1,005,000 | 958,000 | 942,000 | 0 |
| Securities held to maturity | 50,885,000 | 55,434,000 | 56,273,000 | 55,829,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,334,000 | 101,646,000 | 103,366,000 | 102,277,000 |
| Interest-bearing deposits | 84,070,000 | 86,610,000 | 85,532,000 | 83,422,000 |
| Noninterest-bearing deposits | 19,264,000 | 15,036,000 | 17,834,000 | 18,855,000 |
| Equity capital | 15,196,000 | 15,460,000 | 15,881,000 | 15,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 843,000 | 1,649,000 | 2,649,000 | 3,695,000 |
| Interest expense | 89,000 | 204,000 | 364,000 | 600,000 |
| Net interest income | 754,000 | 1,445,000 | 2,285,000 | 3,095,000 |
| Noninterest income | 88,000 | 177,000 | 271,000 | 371,000 |
| Noninterest expense | 346,000 | 733,000 | 1,134,000 | 2,078,000 |
| Provision for loan losses | 15,000 | 20,000 | 14,000 | 12,000 |
| Pretax income | 481,000 | 869,000 | 1,408,000 | 1,376,000 |
| Income tax | 110,000 | 188,000 | 289,000 | 278,000 |
| Net income | 371,000 | 681,000 | 1,119,000 | 1,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,233,000 | 15,544,000 | 15,982,000 | 15,925,000 |