Call reports 2020
FULTON SAVINGS BANK — 2020
What FULTON SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 379,871,000 | 407,218,000 | 413,247,000 | 424,614,000 |
| Total loans | 155,195,000 | 167,797,000 | 167,672,000 | 174,095,000 |
| Allowance for loan losses | 346,000 | 322,000 | 332,000 | 699,000 |
| Securities available for sale | 119,903,000 | 125,907,000 | 140,502,000 | 135,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 20,186,000 | 23,112,000 | 24,711,000 | 27,284,000 |
| Total deposits | 247,749,000 | 279,157,000 | 281,728,000 | 292,143,000 |
| Interest-bearing deposits | 186,506,000 | 202,990,000 | 203,037,000 | 209,837,000 |
| Noninterest-bearing deposits | 61,243,000 | 76,167,000 | 78,691,000 | 82,306,000 |
| Equity capital | 109,359,000 | 112,935,000 | 115,230,000 | 117,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,529,000 | 6,527,000 | 9,739,000 | 13,079,000 |
| Interest expense | 123,000 | 209,000 | 273,000 | 329,000 |
| Net interest income | 3,406,000 | 6,318,000 | 9,466,000 | 12,750,000 |
| Noninterest income | -4,159,000 | -333,000 | 2,244,000 | 5,440,000 |
| Noninterest expense | 4,414,000 | 7,389,000 | 9,947,000 | 13,581,000 |
| Provision for loan losses | 7,000 | 14,000 | 56,000 | 452,000 |
| Pretax income | -4,892,000 | -1,558,000 | 1,577,000 | 4,061,000 |
| Income tax | -1,554,000 | -851,000 | 210,000 | 18,000 |
| Net income | -3,338,000 | -707,000 | 1,367,000 | 4,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,973,000 | 109,603,000 | 111,687,000 | 114,353,000 |
| Total capital | 107,319,000 | 109,925,000 | 112,019,000 | 115,052,000 |
| Risk-weighted assets | 187,598,000 | 200,148,000 | 197,753,000 | 211,574,000 |