Call reports 2023
FULTON SAVINGS BANK — 2023
What FULTON SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 465,491,000 | 465,206,000 | 457,924,000 | 462,348,000 |
| Total loans | 221,895,000 | 222,423,000 | 228,412,000 | 233,580,000 |
| Allowance for loan losses | 916,000 | 963,000 | 947,000 | 866,000 |
| Securities available for sale | 127,164,000 | 123,673,000 | 114,414,000 | 123,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 25,122,000 | 25,097,000 | 24,924,000 | 26,328,000 |
| Total deposits | 316,469,000 | 314,704,000 | 302,621,000 | 296,429,000 |
| Interest-bearing deposits | 228,832,000 | 226,178,000 | 215,428,000 | 209,788,000 |
| Noninterest-bearing deposits | 87,637,000 | 88,526,000 | 87,193,000 | 86,641,000 |
| Equity capital | 106,917,000 | 107,719,000 | 103,590,000 | 114,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,135,000 | 8,345,000 | 12,590,000 | 16,977,000 |
| Interest expense | 516,000 | 936,000 | 1,368,000 | 1,901,000 |
| Net interest income | 3,619,000 | 7,409,000 | 11,222,000 | 15,076,000 |
| Noninterest income | 1,496,000 | 3,027,000 | 4,534,000 | 7,685,000 |
| Noninterest expense | 3,585,000 | 6,762,000 | 9,750,000 | 14,916,000 |
| Provision for loan losses | 0 | 48,000 | 55,000 | -2,000 |
| Pretax income | 1,532,000 | 3,651,000 | 6,043,000 | 7,449,000 |
| Income tax | 148,000 | 148,000 | 715,000 | 475,000 |
| Net income | 1,384,000 | 3,503,000 | 5,328,000 | 6,974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 125,671,000 | 127,790,000 | 129,617,000 | 131,261,000 |
| Total capital | 126,587,000 | 128,753,000 | 130,564,000 | 132,127,000 |
| Risk-weighted assets | 241,530,000 | 241,020,000 | 248,000,000 | 251,709,000 |