Fulton Savings Bank

Fulton Savings Bank is headquartered in Fulton and is the 96^th largest bank in the state of New York. It is also the 1,698^th largest bank in the nation. It was established in 1871 and as of March of 2012, it had grown to 101 employees at 7 locations. Fulton Savings Bank has a 5-star health rating.

Fulton Savings Bank Routing Number: 221370496

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Fulton Savings Bank Savings Account Rates

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Fulton Savings Bank CD Rates

Data for Q1 2012

Institution Statistics Fulton Savings Bank FDIC Certificate # 15966 BankRate Report View Year Established 1871 Employees 101 Primary Regulator FDIC Assets and Liabilities Assets $392.86 million Loans $220.51 million Deposits $239.13 million Equity Capital $74.08 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $3.59 million Real Estate Owned $51,000 Historic Data - March 2011 Assets $390.55 million Equity Capital $65.89 million Loan Loss Allowance $1.54 million Unbacked Noncurrent Loans $4.37 million Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets 1.63% Return on Equity 8.71% Interest Income $4.33 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Fulton Savings Bank had $3.64 million in non-current loans and owned real-estate with $75.58 million in equity and loan loss allowances on hand to cover it. This gives Fulton Savings Bank a Texas Ratio of 4.82% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Fulton Savings Bank decreased slightly from 6.48% as of March 31, 2011 to 4.82% as of March 31, 2012, resulting in a positive change of 25.58%.This indicates that the balance sheet and financial strength for Fulton Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Fulton Savings Bank has increased its total deposits by $5.61 million, resulting in 2.4% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fulton Savings Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fulton Savings Bank has $392.86 million in assets with $75.58 million in equity, resulting in a capitalization level of 19.24%, which is excellent.

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