Call reports 2006
FULTON SAVINGS BANK — 2006
What FULTON SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 412,342,000 | 406,929,000 | 398,660,000 | 394,936,000 |
| Total loans | 302,106,000 | 299,113,000 | 296,388,000 | 295,242,000 |
| Allowance for loan losses | 1,507,000 | 1,472,000 | 1,406,000 | 1,355,000 |
| Securities available for sale | 63,718,000 | 61,219,000 | 63,917,000 | 61,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 4,602,000 | 4,551,000 | 4,855,000 | 4,891,000 |
| Total deposits | 231,188,000 | 228,481,000 | 218,641,000 | 218,369,000 |
| Interest-bearing deposits | 194,198,000 | 190,563,000 | 181,426,000 | 180,580,000 |
| Noninterest-bearing deposits | 36,990,000 | 37,918,000 | 37,215,000 | 37,789,000 |
| Equity capital | 49,728,000 | 50,234,000 | 52,064,000 | 52,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,235,000 | 10,501,000 | 15,822,000 | 21,126,000 |
| Interest expense | 2,227,000 | 4,457,000 | 6,794,000 | 9,230,000 |
| Net interest income | 3,008,000 | 6,044,000 | 9,028,000 | 11,896,000 |
| Noninterest income | 1,205,000 | 2,170,000 | 3,457,000 | 4,743,000 |
| Noninterest expense | 2,938,000 | 5,718,000 | 8,530,000 | 11,842,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,286,000 | 2,495,000 | 3,954,000 | 4,856,000 |
| Income tax | 421,000 | 822,000 | 1,296,000 | 1,529,000 |
| Net income | 865,000 | 1,673,000 | 2,658,000 | 3,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,928,000 | 51,736,000 | 52,721,000 | 53,390,000 |
| Total capital | 52,435,000 | 53,208,000 | 54,127,000 | 54,745,000 |
| Risk-weighted assets | 236,619,000 | 234,598,000 | 236,019,000 | 235,128,000 |