Call reports 2006
FULTON STATE BANK — 2006
What FULTON STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 35,816,000 | 36,124,000 | 36,787,000 | 38,741,000 |
| Total loans | 24,652,000 | 25,973,000 | 26,284,000 | 25,440,000 |
| Allowance for loan losses | 424,000 | 435,000 | 442,000 | 456,000 |
| Securities available for sale | 3,489,000 | 3,446,000 | 3,462,000 | 3,255,000 |
| Securities held to maturity | 1,644,000 | 1,627,000 | 1,601,000 | 1,502,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,363,000 | 31,500,000 | 31,208,000 | 33,863,000 |
| Interest-bearing deposits | 26,374,000 | 26,434,000 | 26,306,000 | 28,527,000 |
| Noninterest-bearing deposits | 4,989,000 | 5,066,000 | 4,902,000 | 5,336,000 |
| Equity capital | 4,016,000 | 4,165,000 | 4,330,000 | 4,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 583,000 | 1,214,000 | 1,873,000 | 2,525,000 |
| Interest expense | 177,000 | 371,000 | 595,000 | 838,000 |
| Net interest income | 406,000 | 843,000 | 1,278,000 | 1,687,000 |
| Noninterest income | 49,000 | 110,000 | 162,000 | 217,000 |
| Noninterest expense | 300,000 | 551,000 | 828,000 | 1,088,000 |
| Provision for loan losses | 9,000 | 18,000 | 26,000 | 36,000 |
| Pretax income | 146,000 | 385,000 | 586,000 | 782,000 |
| Income tax | 45,000 | 125,000 | 190,000 | 253,000 |
| Net income | 101,000 | 260,000 | 396,000 | 529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,076,000 | 4,235,000 | 4,371,000 | 4,394,000 |
| Total capital | 4,438,000 | 4,611,000 | 4,754,000 | 4,770,000 |
| Risk-weighted assets | 28,860,000 | 30,016,000 | 30,543,000 | 30,018,000 |