Call reports 2008
FULTON SAVINGS BANK — 2008
What FULTON SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 407,408,000 | 409,624,000 | 402,097,000 | 407,077,000 |
| Total loans | 286,094,000 | 288,370,000 | 290,943,000 | 296,882,000 |
| Allowance for loan losses | 1,165,000 | 1,173,000 | 1,203,000 | 1,323,000 |
| Securities available for sale | 69,179,000 | 66,549,000 | 66,144,000 | 62,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 5,191,000 | 5,787,000 | 4,938,000 | 4,118,000 |
| Total deposits | 216,010,000 | 222,406,000 | 213,394,000 | 214,304,000 |
| Interest-bearing deposits | 178,945,000 | 183,704,000 | 175,753,000 | 177,306,000 |
| Noninterest-bearing deposits | 37,065,000 | 38,702,000 | 37,641,000 | 36,998,000 |
| Equity capital | 56,305,000 | 56,214,000 | 55,236,000 | 53,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,207,000 | 10,552,000 | 15,728,000 | 20,980,000 |
| Interest expense | 2,271,000 | 4,270,000 | 6,181,000 | 7,987,000 |
| Net interest income | 2,936,000 | 6,282,000 | 9,547,000 | 12,993,000 |
| Noninterest income | 1,018,000 | 2,040,000 | 3,255,000 | 3,858,000 |
| Noninterest expense | 2,899,000 | 5,899,000 | 8,871,000 | 12,449,000 |
| Provision for loan losses | 50,000 | 150,000 | 256,000 | 419,000 |
| Pretax income | 1,005,000 | 2,060,000 | 2,260,000 | 2,976,000 |
| Income tax | 277,000 | 556,000 | 552,000 | 664,000 |
| Net income | 728,000 | 1,504,000 | 1,708,000 | 2,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,178,000 | 57,954,000 | 58,159,000 | 58,762,000 |
| Total capital | 58,343,000 | 59,127,000 | 59,362,000 | 60,085,000 |
| Risk-weighted assets | 248,175,000 | 250,972,000 | 252,837,000 | 256,831,000 |