Call reports 2010
FULTON STATE BANK — 2010
What FULTON STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 48,963,000 | 47,956,000 | 49,006,000 | 50,698,000 |
| Total loans | 25,354,000 | 25,182,000 | 24,959,000 | 24,292,000 |
| Allowance for loan losses | 494,000 | 518,000 | 521,000 | 525,000 |
| Securities available for sale | 12,777,000 | 13,335,000 | 15,086,000 | 16,416,000 |
| Securities held to maturity | 489,000 | 380,000 | 380,000 | 463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,321,000 | 42,094,000 | 43,023,000 | 45,008,000 |
| Interest-bearing deposits | 36,115,000 | 35,407,000 | 35,881,000 | 37,185,000 |
| Noninterest-bearing deposits | 7,206,000 | 6,687,000 | 7,142,000 | 7,823,000 |
| Equity capital | 5,288,000 | 5,506,000 | 5,606,000 | 5,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 574,000 | 1,142,000 | 1,739,000 | 2,325,000 |
| Interest expense | 166,000 | 326,000 | 472,000 | 609,000 |
| Net interest income | 408,000 | 816,000 | 1,267,000 | 1,716,000 |
| Noninterest income | 39,000 | 80,000 | 133,000 | 174,000 |
| Noninterest expense | 326,000 | 671,000 | 1,010,000 | 1,355,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 114,000 | 209,000 | 367,000 | 503,000 |
| Income tax | 23,000 | 34,000 | 73,000 | 132,000 |
| Net income | 91,000 | 175,000 | 294,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,287,000 | 5,370,000 | 5,490,000 | 5,416,000 |
| Total capital | 5,704,000 | 5,785,000 | 5,904,000 | 5,835,000 |
| Risk-weighted assets | 33,258,000 | 33,064,000 | 32,977,000 | 33,413,000 |