Call reports 2002
FULTON SAVINGS BANK — 2002
What FULTON SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 293,405,000 | 306,819,000 | 312,083,000 | 317,318,000 |
| Total loans | 224,809,000 | 231,764,000 | 240,119,000 | 248,667,000 |
| Allowance for loan losses | 1,489,000 | 1,509,000 | 1,569,000 | 1,476,000 |
| Securities available for sale | 36,070,000 | 38,259,000 | 42,803,000 | 38,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,739,000 | 2,525,000 | 2,066,000 | 2,399,000 |
| Total deposits | 210,395,000 | 213,885,000 | 219,291,000 | 215,487,000 |
| Interest-bearing deposits | 176,290,000 | 180,779,000 | 183,017,000 | 182,597,000 |
| Noninterest-bearing deposits | 34,105,000 | 33,106,000 | 36,274,000 | 32,890,000 |
| Equity capital | 35,939,000 | 36,661,000 | 37,295,000 | 38,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,693,000 | 9,123,000 | 13,994,000 | 18,974,000 |
| Interest expense | 1,749,000 | 3,502,000 | 5,243,000 | 6,899,000 |
| Net interest income | 2,944,000 | 5,621,000 | 8,751,000 | 12,075,000 |
| Noninterest income | 566,000 | 800,000 | 1,120,000 | 2,239,000 |
| Noninterest expense | 2,663,000 | 4,828,000 | 7,350,000 | 10,200,000 |
| Provision for loan losses | 150,000 | 250,000 | 400,000 | 400,000 |
| Pretax income | 705,000 | 1,312,000 | 2,090,000 | 3,685,000 |
| Income tax | 232,000 | 432,000 | 698,000 | 1,222,000 |
| Net income | 473,000 | 880,000 | 1,392,000 | 2,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,706,000 | 36,113,000 | 36,625,000 | 37,674,000 |
| Total capital | 37,195,000 | 37,622,000 | 38,194,000 | 39,150,000 |
| Risk-weighted assets | 186,961,000 | 190,202,000 | 195,889,000 | 207,655,000 |