Call reports 2003
FULTON COUNTY NATIONAL BANK AND TRUST COMPANY, THE — 2003
What FULTON COUNTY NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 156,255,000 | 153,705,000 | 150,010,000 | 147,609,000 |
| Total loans | 107,913,000 | 105,857,000 | 105,502,000 | 103,286,000 |
| Allowance for loan losses | 1,057,000 | 1,924,000 | 1,917,000 | 1,900,000 |
| Securities available for sale | 32,801,000 | 30,725,000 | 29,429,000 | 29,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,263,000 | 110,665,000 | 110,244,000 | 111,180,000 |
| Interest-bearing deposits | 95,153,000 | 95,323,000 | 94,786,000 | 97,200,000 |
| Noninterest-bearing deposits | 15,110,000 | 15,342,000 | 15,458,000 | 13,980,000 |
| Equity capital | 16,858,000 | 16,352,000 | 16,168,000 | 16,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,305,000 | 4,339,000 | 6,453,000 | 8,427,000 |
| Interest expense | 849,000 | 1,656,000 | 2,432,000 | 3,175,000 |
| Net interest income | 1,456,000 | 2,683,000 | 4,021,000 | 5,252,000 |
| Noninterest income | 205,000 | 414,000 | 609,000 | 794,000 |
| Noninterest expense | 967,000 | 1,930,000 | 2,930,000 | 3,992,000 |
| Provision for loan losses | 30,000 | 1,265,000 | 1,265,000 | 1,265,000 |
| Pretax income | 664,000 | 52,000 | 585,000 | 875,000 |
| Income tax | 144,000 | -87,000 | -16,000 | -10,000 |
| Net income | 520,000 | 139,000 | 601,000 | 885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,727,000 | 16,232,000 | 16,543,000 | 16,662,000 |
| Total capital | 17,784,000 | 17,647,000 | 17,970,000 | 18,012,000 |
| Risk-weighted assets | 117,056,000 | 112,785,000 | 113,695,000 | 107,432,000 |