Call reports 2022
FULTON SAVINGS BANK — 2022
What FULTON SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 446,863,000 | 444,058,000 | 462,397,000 | 474,328,000 |
| Total loans | 179,799,000 | 189,550,000 | 208,783,000 | 220,913,000 |
| Allowance for loan losses | 665,000 | 696,000 | 724,000 | 781,000 |
| Securities available for sale | 136,758,000 | 141,809,000 | 122,693,000 | 124,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 27,458,000 | 24,380,000 | 23,488,000 | 30,962,000 |
| Total deposits | 320,803,000 | 326,686,000 | 323,190,000 | 318,910,000 |
| Interest-bearing deposits | 232,017,000 | 232,883,000 | 232,201,000 | 233,545,000 |
| Noninterest-bearing deposits | 88,786,000 | 93,803,000 | 90,989,000 | 85,365,000 |
| Equity capital | 115,013,000 | 107,103,000 | 100,924,000 | 103,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,125,000 | 6,341,000 | 9,702,000 | 13,818,000 |
| Interest expense | 56,000 | 119,000 | 209,000 | 808,000 |
| Net interest income | 3,069,000 | 6,222,000 | 9,493,000 | 13,010,000 |
| Noninterest income | -301,000 | -2,339,000 | -2,095,000 | -264,000 |
| Noninterest expense | 2,275,000 | 4,978,000 | 7,621,000 | 10,612,000 |
| Provision for loan losses | 20,000 | 129,000 | 190,000 | 267,000 |
| Pretax income | 481,000 | -1,157,000 | -258,000 | 2,025,000 |
| Income tax | -63,000 | -508,000 | 204,000 | 5,000 |
| Net income | 544,000 | -649,000 | -462,000 | 2,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 122,943,000 | 121,750,000 | 121,937,000 | 124,400,000 |
| Total capital | 123,608,000 | 122,446,000 | 122,661,000 | 125,181,000 |
| Risk-weighted assets | 222,498,000 | 227,671,000 | 239,811,000 | 251,634,000 |