Call reports 2012
FULTON STATE BANK — 2012
What FULTON STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 56,783,000 | 56,611,000 | 56,108,000 | 58,201,000 |
| Total loans | 22,940,000 | 23,945,000 | 22,958,000 | 22,962,000 |
| Allowance for loan losses | 466,000 | 467,000 | 469,000 | 470,000 |
| Securities available for sale | 23,675,000 | 24,311,000 | 24,758,000 | 25,527,000 |
| Securities held to maturity | 349,000 | 240,000 | 240,000 | 227,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,089,000 | 49,819,000 | 48,982,000 | 51,286,000 |
| Interest-bearing deposits | 40,370,000 | 40,805,000 | 40,502,000 | 40,904,000 |
| Noninterest-bearing deposits | 9,719,000 | 9,014,000 | 8,480,000 | 10,382,000 |
| Equity capital | 6,122,000 | 6,248,000 | 6,472,000 | 6,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 507,000 | 1,026,000 | 1,558,000 | 2,080,000 |
| Interest expense | 97,000 | 191,000 | 281,000 | 365,000 |
| Net interest income | 410,000 | 835,000 | 1,277,000 | 1,715,000 |
| Noninterest income | 40,000 | 84,000 | 122,000 | 159,000 |
| Noninterest expense | 329,000 | 679,000 | 1,008,000 | 1,346,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 185,000 | 422,000 | 573,000 | 710,000 |
| Income tax | 54,000 | 109,000 | 159,000 | 224,000 |
| Net income | 131,000 | 313,000 | 414,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,921,000 | 6,103,000 | 6,204,000 | 6,125,000 |
| Total capital | 6,333,000 | 6,547,000 | 6,637,000 | 6,562,000 |
| Risk-weighted assets | 32,941,000 | 35,459,000 | 34,576,000 | 34,904,000 |