Call reports 2016
FULTON SAVINGS BANK — 2016
What FULTON SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 376,552,000 | 376,770,000 | 378,944,000 | 371,704,000 |
| Total loans | 137,872,000 | 134,964,000 | 133,504,000 | 133,127,000 |
| Allowance for loan losses | 857,000 | 828,000 | 800,000 | 778,000 |
| Securities available for sale | 138,217,000 | 136,581,000 | 135,689,000 | 132,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 8,425,000 | 8,552,000 | 8,746,000 | 9,779,000 |
| Total deposits | 241,145,000 | 243,158,000 | 247,402,000 | 247,531,000 |
| Interest-bearing deposits | 191,130,000 | 190,722,000 | 193,681,000 | 195,251,000 |
| Noninterest-bearing deposits | 50,015,000 | 52,436,000 | 53,721,000 | 52,280,000 |
| Equity capital | 97,371,000 | 100,457,000 | 100,070,000 | 94,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,282,000 | 6,524,000 | 9,702,000 | 12,937,000 |
| Interest expense | 129,000 | 270,000 | 396,000 | 519,000 |
| Net interest income | 3,153,000 | 6,254,000 | 9,306,000 | 12,418,000 |
| Noninterest income | 674,000 | 1,915,000 | 3,214,000 | 4,864,000 |
| Noninterest expense | 3,168,000 | 6,225,000 | 9,801,000 | 13,219,000 |
| Provision for loan losses | 14,000 | 38,000 | 54,000 | 65,000 |
| Pretax income | 1,699,000 | 3,519,000 | 4,390,000 | 5,860,000 |
| Income tax | 221,000 | 461,000 | 599,000 | 797,000 |
| Net income | 1,478,000 | 3,058,000 | 3,791,000 | 5,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,858,000 | 98,438,000 | 99,172,000 | 94,945,000 |
| Total capital | 97,715,000 | 99,266,000 | 99,972,000 | 95,723,000 |
| Risk-weighted assets | 170,654,000 | 170,489,000 | 173,458,000 | 176,321,000 |