Call reports 2013
FULTON STATE BANK — 2013
What FULTON STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 57,759,000 | 56,977,000 | 56,448,000 | 59,417,000 |
| Total loans | 22,404,000 | 24,239,000 | 25,079,000 | 24,277,000 |
| Allowance for loan losses | 471,000 | 477,000 | 478,000 | 475,000 |
| Securities available for sale | 27,076,000 | 24,978,000 | 24,146,000 | 26,813,000 |
| Securities held to maturity | 227,000 | 217,000 | 217,000 | 211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,825,000 | 49,795,000 | 48,051,000 | 52,281,000 |
| Interest-bearing deposits | 41,721,000 | 40,940,000 | 38,908,000 | 41,846,000 |
| Noninterest-bearing deposits | 9,103,000 | 8,855,000 | 9,144,000 | 10,435,000 |
| Equity capital | 6,411,000 | 5,958,000 | 6,140,000 | 5,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 1,034,000 | 1,587,000 | 2,147,000 |
| Interest expense | 79,000 | 154,000 | 227,000 | 296,000 |
| Net interest income | 426,000 | 880,000 | 1,360,000 | 1,851,000 |
| Noninterest income | 37,000 | 81,000 | 118,000 | 149,000 |
| Noninterest expense | 333,000 | 672,000 | 1,026,000 | 1,360,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 130,000 | 289,000 | 452,000 | 637,000 |
| Income tax | 35,000 | 74,000 | 126,000 | 183,000 |
| Net income | 95,000 | 215,000 | 326,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,221,000 | 6,340,000 | 6,451,000 | 6,429,000 |
| Total capital | 6,650,000 | 6,790,000 | 6,911,000 | 6,885,000 |
| Risk-weighted assets | 34,312,000 | 36,008,000 | 36,784,000 | 36,427,000 |