Call reports 2002
FULTON COUNTY NATIONAL BANK AND TRUST COMPANY, THE — 2002
What FULTON COUNTY NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 149,980,000 | 157,774,000 | 158,554,000 | 162,154,000 |
| Total loans | 103,962,000 | 105,201,000 | 106,841,000 | 108,263,000 |
| Allowance for loan losses | 831,000 | 937,000 | 1,035,000 | 1,031,000 |
| Securities available for sale | 29,730,000 | 37,571,000 | 37,371,000 | 37,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,861,000 | 124,929,000 | 115,514,000 | 113,075,000 |
| Interest-bearing deposits | 100,321,000 | 111,610,000 | 100,354,000 | 96,870,000 |
| Noninterest-bearing deposits | 15,540,000 | 13,319,000 | 15,160,000 | 16,205,000 |
| Equity capital | 15,217,000 | 15,731,000 | 16,296,000 | 16,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,442,000 | 5,018,000 | 7,517,000 | 9,863,000 |
| Interest expense | 1,064,000 | 2,196,000 | 3,314,000 | 4,271,000 |
| Net interest income | 1,378,000 | 2,822,000 | 4,203,000 | 5,592,000 |
| Noninterest income | 167,000 | 336,000 | 506,000 | 681,000 |
| Noninterest expense | 933,000 | 1,860,000 | 2,824,000 | 3,759,000 |
| Provision for loan losses | 15,000 | 125,000 | 240,000 | 255,000 |
| Pretax income | 598,000 | 1,174,000 | 1,646,000 | 2,260,000 |
| Income tax | 151,000 | 273,000 | 351,000 | 477,000 |
| Net income | 447,000 | 901,000 | 1,295,000 | 1,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,441,000 | 15,785,000 | 16,044,000 | 16,352,000 |
| Total capital | 16,272,000 | 16,722,000 | 17,079,000 | 17,383,000 |
| Risk-weighted assets | 108,330,000 | 111,659,000 | 111,679,000 | 113,565,000 |