Call reports 2015
FULTON SAVINGS BANK — 2015
What FULTON SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 378,230,000 | 376,699,000 | 374,496,000 | 378,234,000 |
| Total loans | 153,734,000 | 149,070,000 | 146,403,000 | 142,031,000 |
| Allowance for loan losses | 1,004,000 | 993,000 | 945,000 | 914,000 |
| Securities available for sale | 136,790,000 | 133,238,000 | 137,550,000 | 138,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 8,897,000 | 8,564,000 | 8,029,000 | 8,621,000 |
| Total deposits | 239,149,000 | 241,148,000 | 239,099,000 | 241,758,000 |
| Interest-bearing deposits | 189,285,000 | 191,335,000 | 188,155,000 | 191,129,000 |
| Noninterest-bearing deposits | 49,864,000 | 49,813,000 | 50,944,000 | 50,629,000 |
| Equity capital | 90,906,000 | 89,240,000 | 90,939,000 | 95,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,492,000 | 6,934,000 | 10,319,000 | 13,747,000 |
| Interest expense | 151,000 | 285,000 | 422,000 | 566,000 |
| Net interest income | 3,341,000 | 6,649,000 | 9,897,000 | 13,181,000 |
| Noninterest income | 909,000 | 1,838,000 | 2,315,000 | 3,677,000 |
| Noninterest expense | 3,496,000 | 6,869,000 | 10,229,000 | 13,045,000 |
| Provision for loan losses | 1,000 | 24,000 | 48,000 | 61,000 |
| Pretax income | 869,000 | 1,741,000 | 2,082,000 | 3,928,000 |
| Income tax | 130,000 | 222,000 | 271,000 | 642,000 |
| Net income | 739,000 | 1,519,000 | 1,811,000 | 3,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,833,000 | 93,614,000 | 93,905,000 | 95,380,000 |
| Total capital | 93,837,000 | 94,607,000 | 94,850,000 | 96,294,000 |
| Risk-weighted assets | 246,949,000 | 247,407,000 | 173,510,000 | 173,508,000 |