Call reports 2023
FOWLER STATE BANK — 2023
What FOWLER STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 135,495,000 | 129,939,000 | 131,077,000 | 131,736,000 |
| Total loans | 61,375,000 | 62,395,000 | 61,623,000 | 65,709,000 |
| Allowance for loan losses | 1,210,000 | 1,225,000 | 1,229,000 | 1,259,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 54,605,000 | 53,560,000 | 52,327,000 | 47,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,176,000 | 103,834,000 | 101,748,000 | 106,165,000 |
| Interest-bearing deposits | 84,913,000 | 85,443,000 | 85,019,000 | 87,194,000 |
| Noninterest-bearing deposits | 22,263,000 | 18,391,000 | 16,729,000 | 18,971,000 |
| Equity capital | 16,349,000 | 16,689,000 | 17,034,000 | 16,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,170,000 | 2,437,000 | 3,699,000 | 5,055,000 |
| Interest expense | 322,000 | 802,000 | 1,330,000 | 1,954,000 |
| Net interest income | 848,000 | 1,635,000 | 2,369,000 | 3,101,000 |
| Noninterest income | 108,000 | 212,000 | 323,000 | 410,000 |
| Noninterest expense | 367,000 | 831,000 | 1,226,000 | 2,202,000 |
| Provision for loan losses | 42,000 | 39,000 | 39,000 | 82,000 |
| Pretax income | 547,000 | 977,000 | 1,427,000 | 1,227,000 |
| Income tax | 123,000 | 213,000 | 318,000 | 255,000 |
| Net income | 424,000 | 764,000 | 1,109,000 | 972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,349,000 | 16,689,000 | 17,034,000 | 16,821,000 |