Call reports 2005
FULTON SAVINGS BANK — 2005
What FULTON SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 409,563,000 | 413,990,000 | 413,169,000 | 411,639,000 |
| Total loans | 303,067,000 | 307,376,000 | 307,475,000 | 306,551,000 |
| Allowance for loan losses | 1,572,000 | 1,646,000 | 1,609,000 | 1,627,000 |
| Securities available for sale | 68,146,000 | 68,660,000 | 67,393,000 | 65,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 4,022,000 | 4,081,000 | 4,261,000 | 4,346,000 |
| Total deposits | 223,483,000 | 227,914,000 | 224,129,000 | 226,552,000 |
| Interest-bearing deposits | 187,578,000 | 189,312,000 | 183,845,000 | 190,240,000 |
| Noninterest-bearing deposits | 35,905,000 | 38,602,000 | 40,284,000 | 36,312,000 |
| Equity capital | 46,666,000 | 48,597,000 | 49,051,000 | 49,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,126,000 | 10,625,000 | 15,859,000 | 21,249,000 |
| Interest expense | 1,662,000 | 3,715,000 | 5,770,000 | 7,850,000 |
| Net interest income | 3,464,000 | 6,910,000 | 10,089,000 | 13,399,000 |
| Noninterest income | 781,000 | 1,890,000 | 3,095,000 | 4,187,000 |
| Noninterest expense | 2,884,000 | 5,320,000 | 8,329,000 | 12,006,000 |
| Provision for loan losses | 0 | 75,000 | 75,000 | 122,000 |
| Pretax income | 1,360,000 | 3,349,000 | 4,720,000 | 5,424,000 |
| Income tax | 461,000 | 1,147,000 | 1,614,000 | 1,865,000 |
| Net income | 899,000 | 2,202,000 | 3,106,000 | 3,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,404,000 | 48,707,000 | 49,611,000 | 50,063,000 |
| Total capital | 48,976,000 | 50,353,000 | 51,220,000 | 51,690,000 |
| Risk-weighted assets | 234,103,000 | 236,690,000 | 238,388,000 | 239,394,000 |