Call reports 2011
FULTON SAVINGS BANK — 2011
What FULTON SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 390,548,000 | 395,952,000 | 402,878,000 | 395,177,000 |
| Total loans | 249,537,000 | 244,989,000 | 238,073,000 | 231,645,000 |
| Allowance for loan losses | 1,537,000 | 1,604,000 | 1,515,000 | 1,607,000 |
| Securities available for sale | 90,024,000 | 100,656,000 | 118,189,000 | 117,925,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 5,602,000 | 4,398,000 | 6,108,000 | 7,009,000 |
| Total deposits | 233,520,000 | 238,961,000 | 236,266,000 | 235,128,000 |
| Interest-bearing deposits | 193,508,000 | 197,264,000 | 195,029,000 | 193,197,000 |
| Noninterest-bearing deposits | 40,012,000 | 41,697,000 | 41,237,000 | 41,931,000 |
| Equity capital | 65,886,000 | 68,505,000 | 73,358,000 | 72,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,720,000 | 9,245,000 | 13,803,000 | 18,548,000 |
| Interest expense | 832,000 | 1,484,000 | 2,150,000 | 2,771,000 |
| Net interest income | 3,888,000 | 7,761,000 | 11,653,000 | 15,777,000 |
| Noninterest income | 1,177,000 | 1,886,000 | 2,268,000 | 3,817,000 |
| Noninterest expense | 3,061,000 | 6,029,000 | 9,105,000 | 12,165,000 |
| Provision for loan losses | 111,000 | 238,000 | 270,000 | 531,000 |
| Pretax income | 1,862,000 | 3,618,000 | 4,674,000 | 7,020,000 |
| Income tax | 519,000 | 895,000 | 982,000 | 1,254,000 |
| Net income | 1,343,000 | 2,723,000 | 3,692,000 | 5,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,390,000 | 71,770,000 | 72,738,000 | 74,813,000 |
| Total capital | 71,927,000 | 73,374,000 | 74,253,000 | 76,420,000 |
| Risk-weighted assets | 238,415,000 | 241,423,000 | 245,715,000 | 240,661,000 |