Call reports 2024
FULTON SAVINGS BANK — 2024
What FULTON SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 467,805,000 | 463,802,000 | 473,807,000 | 477,972,000 |
| Total loans | 235,944,000 | 238,527,000 | 242,936,000 | 246,270,000 |
| Allowance for loan losses | 864,000 | 1,231,000 | 1,157,000 | 1,099,000 |
| Securities available for sale | 121,041,000 | 118,440,000 | 122,404,000 | 116,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 28,522,000 | 28,856,000 | 30,068,000 | 30,309,000 |
| Total deposits | 293,742,000 | 294,297,000 | 286,541,000 | 294,244,000 |
| Interest-bearing deposits | 208,469,000 | 206,323,000 | 198,625,000 | 208,348,000 |
| Noninterest-bearing deposits | 85,273,000 | 87,974,000 | 87,916,000 | 85,896,000 |
| Equity capital | 117,048,000 | 117,624,000 | 123,705,000 | 124,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,262,000 | 8,692,000 | 13,180,000 | 17,926,000 |
| Interest expense | 573,000 | 1,109,000 | 1,663,000 | 2,380,000 |
| Net interest income | 3,689,000 | 7,583,000 | 11,517,000 | 15,546,000 |
| Noninterest income | 3,431,000 | 4,812,000 | 7,652,000 | 8,890,000 |
| Noninterest expense | 3,447,000 | 6,613,000 | 10,074,000 | 14,602,000 |
| Provision for loan losses | 5,000 | 413,000 | 371,000 | 377,000 |
| Pretax income | 3,669,000 | 5,376,000 | 8,730,000 | 9,465,000 |
| Income tax | 707,000 | 892,000 | 1,508,000 | 553,000 |
| Net income | 2,962,000 | 4,484,000 | 7,222,000 | 8,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 134,223,000 | 135,835,000 | 138,482,000 | 140,173,000 |
| Total capital | 135,087,000 | 137,066,000 | 139,639,000 | 141,272,000 |
| Risk-weighted assets | 278,182,000 | 256,161,000 | 258,261,000 | 344,046,000 |