Call reports 2013
FULTON SAVINGS BANK — 2013
What FULTON SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 387,747,000 | 383,283,000 | 372,749,000 | 371,624,000 |
| Total loans | 187,809,000 | 182,274,000 | 176,139,000 | 173,450,000 |
| Allowance for loan losses | 1,112,000 | 1,083,000 | 1,020,000 | 915,000 |
| Securities available for sale | 118,416,000 | 110,548,000 | 112,823,000 | 115,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 453,000 |
| Trading assets | 7,405,000 | 7,144,000 | 7,125,000 | 7,605,000 |
| Total deposits | 241,271,000 | 242,299,000 | 236,488,000 | 234,935,000 |
| Interest-bearing deposits | 193,964,000 | 194,237,000 | 188,304,000 | 187,727,000 |
| Noninterest-bearing deposits | 47,307,000 | 48,062,000 | 48,184,000 | 47,208,000 |
| Equity capital | 82,679,000 | 79,719,000 | 80,151,000 | 83,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,804,000 | 7,584,000 | 11,306,000 | 15,012,000 |
| Interest expense | 327,000 | 594,000 | 853,000 | 1,094,000 |
| Net interest income | 3,477,000 | 6,990,000 | 10,453,000 | 13,918,000 |
| Noninterest income | 1,381,000 | 2,626,000 | 3,877,000 | 5,372,000 |
| Noninterest expense | 3,251,000 | 6,432,000 | 9,660,000 | 13,427,000 |
| Provision for loan losses | 1,000 | 57,000 | 66,000 | 90,000 |
| Pretax income | 1,562,000 | 3,129,000 | 4,858,000 | 6,037,000 |
| Income tax | 318,000 | 627,000 | 978,000 | 995,000 |
| Net income | 1,244,000 | 2,502,000 | 3,880,000 | 5,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,885,000 | 85,143,000 | 86,521,000 | 87,683,000 |
| Total capital | 84,997,000 | 86,226,000 | 87,541,000 | 88,598,000 |
| Risk-weighted assets | 235,514,000 | 235,801,000 | 236,800,000 | 242,572,000 |