Call reports 2003
FULTON SAVINGS BANK — 2003
What FULTON SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 324,226,000 | 335,594,000 | 350,384,000 | 384,106,000 |
| Total loans | 257,042,000 | 264,857,000 | 277,586,000 | 290,730,000 |
| Allowance for loan losses | 1,526,000 | 1,426,000 | 1,497,000 | 1,614,000 |
| Securities available for sale | 36,811,000 | 39,789,000 | 36,514,000 | 44,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,337,000 | 2,812,000 | 2,886,000 | 3,378,000 |
| Total deposits | 218,341,000 | 223,787,000 | 228,397,000 | 226,188,000 |
| Interest-bearing deposits | 183,947,000 | 186,410,000 | 189,565,000 | 191,401,000 |
| Noninterest-bearing deposits | 34,394,000 | 37,377,000 | 38,832,000 | 34,787,000 |
| Equity capital | 39,319,000 | 40,749,000 | 41,573,000 | 42,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,834,000 | 9,654,000 | 14,429,000 | 19,348,000 |
| Interest expense | 1,471,000 | 2,946,000 | 4,393,000 | 5,962,000 |
| Net interest income | 3,363,000 | 6,708,000 | 10,036,000 | 13,386,000 |
| Noninterest income | 970,000 | 2,510,000 | 3,833,000 | 5,081,000 |
| Noninterest expense | 2,476,000 | 4,908,000 | 7,508,000 | 10,992,000 |
| Provision for loan losses | 100,000 | 100,000 | 250,000 | 400,000 |
| Pretax income | 1,749,000 | 4,202,000 | 6,103,000 | 7,021,000 |
| Income tax | 614,000 | 1,498,000 | 2,304,000 | 2,793,000 |
| Net income | 1,135,000 | 2,704,000 | 3,799,000 | 4,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,809,000 | 40,378,000 | 41,473,000 | 42,271,000 |
| Total capital | 40,335,000 | 41,804,000 | 42,970,000 | 43,885,000 |
| Risk-weighted assets | 198,627,000 | 202,583,000 | 207,378,000 | 219,430,000 |