Call reports 2005
FULTON STATE BANK — 2005
What FULTON STATE BANK 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 | 35,913,000 | 34,692,000 | 35,191,000 | 35,626,000 |
| Total loans | 21,306,000 | 21,750,000 | 22,619,000 | 23,012,000 |
| Allowance for loan losses | 415,000 | 379,000 | 401,000 | 418,000 |
| Securities available for sale | 3,189,000 | 3,823,000 | 3,770,000 | 3,521,000 |
| Securities held to maturity | 1,267,000 | 1,565,000 | 1,660,000 | 1,618,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,984,000 | 30,625,000 | 30,196,000 | 31,403,000 |
| Interest-bearing deposits | 27,287,000 | 26,445,000 | 25,898,000 | 25,696,000 |
| Noninterest-bearing deposits | 4,697,000 | 4,180,000 | 4,298,000 | 5,707,000 |
| Equity capital | 3,702,000 | 3,830,000 | 3,920,000 | 3,922,000 |
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 | 494,000 | 1,010,000 | 1,551,000 | 2,124,000 |
| Interest expense | 152,000 | 307,000 | 470,000 | 640,000 |
| Net interest income | 342,000 | 703,000 | 1,081,000 | 1,484,000 |
| Noninterest income | 64,000 | 138,000 | 187,000 | 240,000 |
| Noninterest expense | 280,000 | 524,000 | 803,000 | 1,069,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 118,000 | 300,000 | 440,000 | 620,000 |
| Income tax | 37,000 | 97,000 | 140,000 | 206,000 |
| Net income | 81,000 | 203,000 | 300,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,742,000 | 3,864,000 | 3,961,000 | 3,975,000 |
| Total capital | 4,065,000 | 4,189,000 | 4,300,000 | 4,320,000 |
| Risk-weighted assets | 25,766,000 | 25,982,000 | 27,061,000 | 27,508,000 |