Call reports 2005
FULTON COUNTY NATIONAL BANK AND TRUST COMPANY, THE — 2005
What FULTON COUNTY NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 140,820,000 | 138,225,000 | 139,260,000 | 139,025,000 |
| Total loans | 92,290,000 | 85,547,000 | 83,520,000 | 79,780,000 |
| Allowance for loan losses | 1,885,000 | 1,905,000 | 1,903,000 | 1,354,000 |
| Securities available for sale | 28,124,000 | 32,817,000 | 32,333,000 | 34,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,102,000 | 106,200,000 | 107,544,000 | 107,510,000 |
| Interest-bearing deposits | 93,256,000 | 89,820,000 | 89,795,000 | 89,123,000 |
| Noninterest-bearing deposits | 15,846,000 | 16,380,000 | 17,749,000 | 18,387,000 |
| Equity capital | 15,123,000 | 15,315,000 | 15,013,000 | 14,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,783,000 | 3,562,000 | 5,355,000 | 7,123,000 |
| Interest expense | 696,000 | 1,407,000 | 2,142,000 | 2,901,000 |
| Net interest income | 1,087,000 | 2,155,000 | 3,213,000 | 4,222,000 |
| Noninterest income | 181,000 | 335,000 | 485,000 | 622,000 |
| Noninterest expense | 1,144,000 | 2,483,000 | 3,773,000 | 5,083,000 |
| Provision for loan losses | 70,000 | 87,000 | 167,000 | 317,000 |
| Pretax income | 54,000 | -80,000 | -242,000 | -556,000 |
| Income tax | -17,000 | -112,000 | -185,000 | -328,000 |
| Net income | 71,000 | 32,000 | -57,000 | -228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,389,000 | 15,350,000 | 15,260,000 | 15,089,000 |
| Total capital | 16,524,000 | 16,414,000 | 16,330,000 | 16,140,000 |
| Risk-weighted assets | 90,064,000 | 84,287,000 | 84,775,000 | 83,767,000 |