Call reports 2004
FULTON STATE BANK — 2004
What FULTON STATE BANK 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 | 32,204,000 | 31,560,000 | 33,467,000 | 35,083,000 |
| Total loans | 21,357,000 | 21,746,000 | 22,222,000 | 22,090,000 |
| Allowance for loan losses | 403,000 | 389,000 | 405,000 | 415,000 |
| Securities available for sale | 2,109,000 | 2,513,000 | 2,853,000 | 3,035,000 |
| Securities held to maturity | 1,182,000 | 1,207,000 | 1,157,000 | 1,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,602,000 | 27,814,000 | 29,457,000 | 31,191,000 |
| Interest-bearing deposits | 24,301,000 | 23,386,000 | 25,642,000 | 26,468,000 |
| Noninterest-bearing deposits | 4,301,000 | 4,428,000 | 3,815,000 | 4,723,000 |
| Equity capital | 3,392,000 | 3,480,000 | 3,613,000 | 3,647,000 |
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 | 448,000 | 913,000 | 1,393,000 | 1,913,000 |
| Interest expense | 113,000 | 222,000 | 346,000 | 489,000 |
| Net interest income | 335,000 | 691,000 | 1,047,000 | 1,424,000 |
| Noninterest income | 67,000 | 141,000 | 221,000 | 286,000 |
| Noninterest expense | 279,000 | 530,000 | 799,000 | 1,040,000 |
| Provision for loan losses | 5,000 | 8,000 | 17,000 | 27,000 |
| Pretax income | 118,000 | 295,000 | 453,000 | 643,000 |
| Income tax | 37,000 | 94,000 | 146,000 | 210,000 |
| Net income | 81,000 | 201,000 | 307,000 | 433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,389,000 | 3,508,000 | 3,615,000 | 3,661,000 |
| Total capital | 3,700,000 | 3,821,000 | 3,939,000 | 3,993,000 |
| Risk-weighted assets | 24,822,000 | 24,993,000 | 25,827,000 | 26,486,000 |