Call reports 2012
FULTON SAVINGS BANK — 2012
What FULTON SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 392,856,000 | 396,311,000 | 391,836,000 | 390,767,000 |
| Total loans | 222,011,000 | 212,533,000 | 205,652,000 | 195,863,000 |
| Allowance for loan losses | 1,501,000 | 1,449,000 | 1,344,000 | 1,231,000 |
| Securities available for sale | 116,742,000 | 118,871,000 | 119,628,000 | 117,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 7,001,000 | 7,190,000 | 7,212,000 | 7,694,000 |
| Total deposits | 239,130,000 | 241,655,000 | 237,779,000 | 241,025,000 |
| Interest-bearing deposits | 195,286,000 | 197,068,000 | 193,892,000 | 194,226,000 |
| Noninterest-bearing deposits | 43,844,000 | 44,587,000 | 43,887,000 | 46,799,000 |
| Equity capital | 74,080,000 | 79,704,000 | 82,193,000 | 82,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,334,000 | 8,579,000 | 12,754,000 | 16,873,000 |
| Interest expense | 560,000 | 1,026,000 | 1,498,000 | 1,881,000 |
| Net interest income | 3,774,000 | 7,553,000 | 11,256,000 | 14,992,000 |
| Noninterest income | 1,478,000 | 2,286,000 | 3,581,000 | 4,562,000 |
| Noninterest expense | 3,101,000 | 6,252,000 | 9,353,000 | 12,548,000 |
| Provision for loan losses | 3,000 | 30,000 | 64,000 | 89,000 |
| Pretax income | 2,153,000 | 3,511,000 | 5,368,000 | 7,243,000 |
| Income tax | 552,000 | 814,000 | 1,249,000 | 1,725,000 |
| Net income | 1,601,000 | 2,697,000 | 4,119,000 | 5,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,414,000 | 79,819,000 | 81,242,000 | 82,641,000 |
| Total capital | 77,915,000 | 81,268,000 | 82,586,000 | 83,872,000 |
| Risk-weighted assets | 236,282,000 | 233,857,000 | 230,779,000 | 240,499,000 |