Call reports 2014
FULTON SAVINGS BANK — 2014
What FULTON SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 376,071,000 | 378,958,000 | 377,335,000 | 372,487,000 |
| Total loans | 169,419,000 | 167,439,000 | 163,579,000 | 159,670,000 |
| Allowance for loan losses | 957,000 | 1,060,000 | 965,000 | 1,011,000 |
| Securities available for sale | 121,545,000 | 125,304,000 | 130,405,000 | 134,574,000 |
| Securities held to maturity | 423,000 | 0 | 0 | 0 |
| Trading assets | 7,924,000 | 7,829,000 | 7,735,000 | 8,813,000 |
| Total deposits | 237,688,000 | 238,643,000 | 236,314,000 | 234,610,000 |
| Interest-bearing deposits | 189,485,000 | 189,585,000 | 187,088,000 | 185,752,000 |
| Noninterest-bearing deposits | 48,203,000 | 49,058,000 | 49,226,000 | 48,858,000 |
| Equity capital | 86,551,000 | 89,352,000 | 91,302,000 | 89,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,560,000 | 7,000,000 | 10,715,000 | 14,255,000 |
| Interest expense | 206,000 | 383,000 | 567,000 | 733,000 |
| Net interest income | 3,354,000 | 6,617,000 | 10,148,000 | 13,522,000 |
| Noninterest income | 988,000 | 2,267,000 | 3,217,000 | 4,179,000 |
| Noninterest expense | 3,178,000 | 6,509,000 | 9,122,000 | 12,746,000 |
| Provision for loan losses | 99,000 | 230,000 | 242,000 | 359,000 |
| Pretax income | 1,276,000 | 2,406,000 | 4,252,000 | 4,899,000 |
| Income tax | 250,000 | 250,000 | 860,000 | 488,000 |
| Net income | 1,026,000 | 2,156,000 | 3,392,000 | 4,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,708,000 | 89,839,000 | 91,075,000 | 92,094,000 |
| Total capital | 89,665,000 | 90,899,000 | 92,040,000 | 93,105,000 |
| Risk-weighted assets | 243,921,000 | 242,999,000 | 244,963,000 | 243,252,000 |