Call reports 2019
FULTON SAVINGS BANK — 2019
What FULTON SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 374,926,000 | 379,975,000 | 378,498,000 | 379,944,000 |
| Total loans | 133,461,000 | 136,047,000 | 137,935,000 | 144,999,000 |
| Allowance for loan losses | 432,000 | 391,000 | 383,000 | 373,000 |
| Securities available for sale | 118,294,000 | 112,241,000 | 120,638,000 | 120,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 23,927,000 | 24,466,000 | 25,024,000 | 26,095,000 |
| Total deposits | 250,255,000 | 252,210,000 | 247,902,000 | 247,440,000 |
| Interest-bearing deposits | 189,726,000 | 190,088,000 | 186,869,000 | 185,883,000 |
| Noninterest-bearing deposits | 60,529,000 | 62,122,000 | 61,033,000 | 61,557,000 |
| Equity capital | 104,231,000 | 106,571,000 | 108,743,000 | 111,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,490,000 | 6,981,000 | 10,522,000 | 14,034,000 |
| Interest expense | 145,000 | 287,000 | 426,000 | 574,000 |
| Net interest income | 3,345,000 | 6,694,000 | 10,096,000 | 13,460,000 |
| Noninterest income | 2,331,000 | 3,877,000 | 5,293,000 | 7,377,000 |
| Noninterest expense | 3,789,000 | 7,588,000 | 11,343,000 | 15,335,000 |
| Provision for loan losses | 15,000 | 9,000 | 16,000 | 32,000 |
| Pretax income | 2,827,000 | 4,121,000 | 5,228,000 | 6,785,000 |
| Income tax | 589,000 | 851,000 | 751,000 | 174,000 |
| Net income | 2,238,000 | 3,270,000 | 4,477,000 | 6,611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,940,000 | 106,970,000 | 108,177,000 | 110,311,000 |
| Total capital | 106,372,000 | 107,361,000 | 108,560,000 | 110,684,000 |
| Risk-weighted assets | 189,470,000 | 188,924,000 | 189,708,000 | 194,579,000 |