Call reports 2010
FULTON SAVINGS BANK — 2010
What FULTON SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 402,783,000 | 401,335,000 | 405,376,000 | 400,850,000 |
| Total loans | 275,292,000 | 272,936,000 | 268,514,000 | 257,102,000 |
| Allowance for loan losses | 1,335,000 | 1,358,000 | 1,341,000 | 1,448,000 |
| Securities available for sale | 74,460,000 | 77,188,000 | 81,965,000 | 86,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 7,313,000 | 5,479,000 | 5,820,000 | 5,953,000 |
| Total deposits | 227,726,000 | 230,101,000 | 227,752,000 | 228,804,000 |
| Interest-bearing deposits | 190,121,000 | 190,480,000 | 187,986,000 | 190,352,000 |
| Noninterest-bearing deposits | 37,605,000 | 39,621,000 | 39,766,000 | 38,452,000 |
| Equity capital | 60,824,000 | 62,414,000 | 64,840,000 | 64,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,905,000 | 9,719,000 | 14,615,000 | 19,371,000 |
| Interest expense | 1,020,000 | 2,040,000 | 3,094,000 | 4,033,000 |
| Net interest income | 3,885,000 | 7,679,000 | 11,521,000 | 15,338,000 |
| Noninterest income | 1,230,000 | 1,656,000 | 3,240,000 | 4,830,000 |
| Noninterest expense | 3,030,000 | 6,123,000 | 9,267,000 | 12,501,000 |
| Provision for loan losses | 102,000 | 233,000 | 479,000 | 692,000 |
| Pretax income | 2,125,000 | 3,231,000 | 5,537,000 | 7,443,000 |
| Income tax | 650,000 | 914,000 | 1,524,000 | 1,352,000 |
| Net income | 1,475,000 | 2,317,000 | 4,013,000 | 6,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,430,000 | 65,273,000 | 66,968,000 | 69,047,000 |
| Total capital | 65,765,000 | 66,631,000 | 68,309,000 | 70,495,000 |
| Risk-weighted assets | 257,250,000 | 256,209,000 | 251,831,000 | 251,339,000 |