Call reports 2004
FULTON COUNTY NATIONAL BANK AND TRUST COMPANY, THE — 2004
What FULTON COUNTY NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 148,244,000 | 145,263,000 | 143,818,000 | 141,701,000 |
| Total loans | 101,825,000 | 99,366,000 | 98,298,000 | 94,470,000 |
| Allowance for loan losses | 1,893,000 | 1,566,000 | 1,828,000 | 1,821,000 |
| Securities available for sale | 30,541,000 | 27,684,000 | 27,811,000 | 18,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,851,000 | 112,980,000 | 111,251,000 | 109,743,000 |
| Interest-bearing deposits | 98,614,000 | 96,098,000 | 93,849,000 | 93,124,000 |
| Noninterest-bearing deposits | 14,237,000 | 16,882,000 | 17,402,000 | 16,619,000 |
| Equity capital | 16,730,000 | 15,709,000 | 15,994,000 | 15,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,916,000 | 3,792,000 | 5,673,000 | 7,552,000 |
| Interest expense | 734,000 | 1,464,000 | 2,181,000 | 2,891,000 |
| Net interest income | 1,182,000 | 2,328,000 | 3,492,000 | 4,661,000 |
| Noninterest income | 169,000 | 344,000 | 488,000 | 652,000 |
| Noninterest expense | 1,007,000 | 2,085,000 | 3,061,000 | 4,161,000 |
| Provision for loan losses | 0 | 0 | 261,000 | 261,000 |
| Pretax income | 348,000 | 591,000 | 662,000 | -380,000 |
| Income tax | 48,000 | 130,000 | 28,000 | -7,000 |
| Net income | 300,000 | 461,000 | 634,000 | -373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,837,000 | 16,883,000 | 16,911,000 | 15,318,000 |
| Total capital | 18,172,000 | 18,205,000 | 18,228,000 | 16,461,000 |
| Risk-weighted assets | 106,260,000 | 105,493,000 | 104,839,000 | 90,605,000 |
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