Call reports 2007
FULTON SAVINGS BANK — 2007
What FULTON SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 391,350,000 | 388,292,000 | 390,689,000 | 396,840,000 |
| Total loans | 291,692,000 | 289,674,000 | 290,627,000 | 288,179,000 |
| Allowance for loan losses | 1,279,000 | 1,261,000 | 1,250,000 | 1,158,000 |
| Securities available for sale | 59,064,000 | 59,145,000 | 60,111,000 | 59,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 4,942,000 | 5,455,000 | 5,541,000 | 8,524,000 |
| Total deposits | 220,356,000 | 218,787,000 | 216,510,000 | 211,948,000 |
| Interest-bearing deposits | 181,761,000 | 180,206,000 | 177,137,000 | 174,802,000 |
| Noninterest-bearing deposits | 38,595,000 | 38,581,000 | 39,373,000 | 37,146,000 |
| Equity capital | 53,667,000 | 54,150,000 | 55,579,000 | 55,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,203,000 | 10,436,000 | 15,698,000 | 20,913,000 |
| Interest expense | 2,268,000 | 4,527,000 | 6,806,000 | 9,186,000 |
| Net interest income | 2,935,000 | 5,909,000 | 8,892,000 | 11,727,000 |
| Noninterest income | 976,000 | 2,314,000 | 3,670,000 | 4,652,000 |
| Noninterest expense | 2,787,000 | 5,618,000 | 8,609,000 | 12,205,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 1,124,000 | 2,579,000 | 3,877,000 | 4,230,000 |
| Income tax | 344,000 | 806,000 | 1,212,000 | 1,170,000 |
| Net income | 780,000 | 1,773,000 | 2,665,000 | 3,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,170,000 | 55,163,000 | 56,055,000 | 56,450,000 |
| Total capital | 55,449,000 | 56,424,000 | 57,305,000 | 57,608,000 |
| Risk-weighted assets | 232,236,000 | 232,324,000 | 234,074,000 | 245,622,000 |