Call reports 2004
FULTON SAVINGS BANK — 2004
What FULTON SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 392,600,000 | 393,091,000 | 411,887,000 | 408,054,000 |
| Total loans | 293,712,000 | 296,940,000 | 301,684,000 | 303,531,000 |
| Allowance for loan losses | 1,593,000 | 1,598,000 | 1,576,000 | 1,585,000 |
| Securities available for sale | 49,446,000 | 60,683,000 | 69,070,000 | 71,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 3,591,000 | 3,791,000 | 3,697,000 | 4,106,000 |
| Total deposits | 228,368,000 | 232,474,000 | 230,644,000 | 225,674,000 |
| Interest-bearing deposits | 192,922,000 | 195,320,000 | 191,082,000 | 189,605,000 |
| Noninterest-bearing deposits | 35,446,000 | 37,154,000 | 39,562,000 | 36,069,000 |
| Equity capital | 43,514,000 | 43,592,000 | 45,482,000 | 46,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,987,000 | 10,138,000 | 15,361,000 | 20,782,000 |
| Interest expense | 1,611,000 | 3,256,000 | 4,974,000 | 6,684,000 |
| Net interest income | 3,376,000 | 6,882,000 | 10,387,000 | 14,098,000 |
| Noninterest income | 821,000 | 1,721,000 | 2,504,000 | 3,600,000 |
| Noninterest expense | 2,607,000 | 5,031,000 | 7,614,000 | 10,946,000 |
| Provision for loan losses | 0 | 60,000 | 85,000 | 205,000 |
| Pretax income | 1,590,000 | 3,512,000 | 5,199,000 | 6,566,000 |
| Income tax | 590,000 | 1,257,000 | 1,819,000 | 2,332,000 |
| Net income | 1,000,000 | 2,255,000 | 3,380,000 | 4,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,271,000 | 44,526,000 | 45,651,000 | 46,505,000 |
| Total capital | 44,864,000 | 46,124,000 | 47,227,000 | 48,090,000 |
| Risk-weighted assets | 222,233,000 | 222,521,000 | 233,159,000 | 235,615,000 |