Call reports 2025
FULTON SAVINGS BANK — 2025
What FULTON SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 481,425,000 | 480,901,000 | 477,604,000 | 489,503,000 |
| Total loans | 247,401,000 | 248,716,000 | 251,393,000 | 259,184,000 |
| Allowance for loan losses | 1,002,000 | 1,374,000 | 1,077,000 | 1,240,000 |
| Securities available for sale | 116,009,000 | 115,273,000 | 116,343,000 | 114,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 29,963,000 | 31,595,000 | 33,457,000 | 33,913,000 |
| Total deposits | 307,820,000 | 304,891,000 | 295,222,000 | 294,535,000 |
| Interest-bearing deposits | 219,806,000 | 214,995,000 | 206,812,000 | 206,956,000 |
| Noninterest-bearing deposits | 88,014,000 | 89,896,000 | 88,410,000 | 87,579,000 |
| Equity capital | 125,528,000 | 127,902,000 | 133,378,000 | 138,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,512,000 | 9,104,000 | 13,660,000 | 18,503,000 |
| Interest expense | 621,000 | 1,210,000 | 1,781,000 | 2,404,000 |
| Net interest income | 3,891,000 | 7,894,000 | 11,879,000 | 16,099,000 |
| Noninterest income | 621,000 | 3,332,000 | 6,281,000 | 8,601,000 |
| Noninterest expense | 3,430,000 | 6,685,000 | 10,055,000 | 15,485,000 |
| Provision for loan losses | -75,000 | 347,000 | 55,000 | 264,000 |
| Pretax income | 1,158,000 | 4,196,000 | 8,076,000 | 9,021,000 |
| Income tax | 101,000 | 574,000 | 1,328,000 | 50,000 |
| Net income | 1,057,000 | 3,622,000 | 6,748,000 | 8,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 141,228,000 | 143,796,000 | 146,927,000 | 150,437,000 |
| Total capital | 142,230,000 | 145,170,000 | 148,004,000 | 151,677,000 |
| Risk-weighted assets | 347,574,000 | 354,669,000 | 362,164,000 | 364,472,000 |