Call reports 2009
FULTON STATE BANK — 2009
What FULTON STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 41,851,000 | 43,745,000 | 44,020,000 | 47,277,000 |
| Total loans | 26,902,000 | 28,472,000 | 28,572,000 | 26,533,000 |
| Allowance for loan losses | 142,000 | 126,000 | 250,000 | 500,000 |
| Securities available for sale | 822,000 | 3,099,000 | 5,654,000 | 7,951,000 |
| Securities held to maturity | 3,374,000 | 502,000 | 595,000 | 589,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,242,000 | 38,002,000 | 38,034,000 | 41,696,000 |
| Interest-bearing deposits | 30,474,000 | 32,276,000 | 32,318,000 | 33,435,000 |
| Noninterest-bearing deposits | 5,768,000 | 5,726,000 | 5,716,000 | 8,261,000 |
| Equity capital | 5,141,000 | 5,242,000 | 5,397,000 | 5,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 573,000 | 1,161,000 | 1,775,000 | 2,371,000 |
| Interest expense | 181,000 | 362,000 | 539,000 | 711,000 |
| Net interest income | 392,000 | 799,000 | 1,236,000 | 1,660,000 |
| Noninterest income | 39,000 | 85,000 | 135,000 | 169,000 |
| Noninterest expense | 307,000 | 645,000 | 984,000 | 1,339,000 |
| Provision for loan losses | 0 | 0 | 0 | 408,000 |
| Pretax income | 124,000 | 239,000 | 385,000 | 76,000 |
| Income tax | 31,000 | 55,000 | 91,000 | -58,000 |
| Net income | 93,000 | 184,000 | 294,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,154,000 | 5,246,000 | 5,355,000 | 5,195,000 |
| Total capital | 5,296,000 | 5,372,000 | 5,605,000 | 5,618,000 |
| Risk-weighted assets | 32,356,000 | 34,083,000 | 34,136,000 | 33,261,000 |