Call reports 2009
FULTON SAVINGS BANK — 2009
What FULTON SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 398,514,000 | 394,108,000 | 391,869,000 | 401,260,000 |
| Total loans | 292,191,000 | 285,605,000 | 282,649,000 | 278,704,000 |
| Allowance for loan losses | 1,380,000 | 1,223,000 | 1,481,000 | 1,422,000 |
| Securities available for sale | 60,056,000 | 62,926,000 | 65,806,000 | 69,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 3,691,000 | 5,233,000 | 5,391,000 | 6,725,000 |
| Total deposits | 219,084,000 | 220,985,000 | 216,135,000 | 221,705,000 |
| Interest-bearing deposits | 180,990,000 | 183,807,000 | 178,653,000 | 183,021,000 |
| Noninterest-bearing deposits | 38,094,000 | 37,178,000 | 37,482,000 | 38,684,000 |
| Equity capital | 53,764,000 | 55,401,000 | 58,540,000 | 59,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,108,000 | 10,104,000 | 15,061,000 | 19,914,000 |
| Interest expense | 1,507,000 | 2,909,000 | 4,150,000 | 5,464,000 |
| Net interest income | 3,601,000 | 7,195,000 | 10,911,000 | 14,450,000 |
| Noninterest income | 899,000 | 2,656,000 | 4,640,000 | 6,228,000 |
| Noninterest expense | 3,198,000 | 6,472,000 | 9,868,000 | 13,856,000 |
| Provision for loan losses | 174,000 | 368,000 | 719,000 | 974,000 |
| Pretax income | 992,000 | 2,865,000 | 4,814,000 | 5,756,000 |
| Income tax | 239,000 | 811,000 | 1,405,000 | 1,562,000 |
| Net income | 753,000 | 2,054,000 | 3,409,000 | 4,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,515,000 | 60,816,000 | 62,171,000 | 62,956,000 |
| Total capital | 60,895,000 | 62,039,000 | 63,652,000 | 64,378,000 |
| Risk-weighted assets | 253,073,000 | 251,937,000 | 250,292,000 | 256,598,000 |