Call reports 2025
FOWLER STATE BANK — 2025
What FOWLER STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 139,589,000 | 142,520,000 | 143,219,000 | 149,938,000 |
| Total loans | 86,181,000 | 91,086,000 | 88,555,000 | 100,877,000 |
| Allowance for loan losses | 1,582,000 | 1,736,000 | 1,843,000 | 1,824,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 39,572,000 | 38,229,000 | 36,859,000 | 34,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,260,000 | 114,574,000 | 116,346,000 | 123,633,000 |
| Interest-bearing deposits | 95,785,000 | 98,082,000 | 100,088,000 | 105,660,000 |
| Noninterest-bearing deposits | 17,475,000 | 16,492,000 | 16,258,000 | 17,973,000 |
| Equity capital | 18,368,000 | 18,858,000 | 19,252,000 | 19,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,933,000 | 3,977,000 | 5,974,000 | 8,319,000 |
| Interest expense | 818,000 | 1,630,000 | 2,458,000 | 3,278,000 |
| Net interest income | 1,115,000 | 2,347,000 | 3,516,000 | 5,041,000 |
| Noninterest income | 117,000 | 229,000 | 357,000 | 496,000 |
| Noninterest expense | 380,000 | 951,000 | 1,594,000 | 2,795,000 |
| Provision for loan losses | 138,000 | 273,000 | 366,000 | 1,005,000 |
| Pretax income | 714,000 | 1,352,000 | 1,913,000 | 1,737,000 |
| Income tax | 145,000 | 292,000 | 459,000 | 366,000 |
| Net income | 569,000 | 1,060,000 | 1,454,000 | 1,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,367,000 | 18,858,000 | 19,252,000 | 19,095,000 |