Call reports 2008
FIDELITY DEPOSIT AND DISCOUNT BANK, THE — 2008
What FIDELITY DEPOSIT AND DISCOUNT BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 587,722,000 | 597,020,000 | 568,817,000 | 575,281,000 |
| Total loans | 399,628,000 | 418,691,000 | 431,426,000 | 441,194,000 |
| Allowance for loan losses | 4,379,000 | 4,189,000 | 4,206,000 | 4,745,000 |
| Securities available for sale | 134,755,000 | 127,717,000 | 85,772,000 | 82,850,000 |
| Securities held to maturity | 1,108,000 | 1,060,000 | 946,000 | 909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 455,847,000 | 448,236,000 | 435,433,000 | 433,314,000 |
| Interest-bearing deposits | 386,357,000 | 373,468,000 | 365,812,000 | 361,869,000 |
| Noninterest-bearing deposits | 69,490,000 | 74,768,000 | 69,621,000 | 71,445,000 |
| Equity capital | 55,731,000 | 52,608,000 | 50,242,000 | 48,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,849,000 | 17,594,000 | 26,112,000 | 34,391,000 |
| Interest expense | 4,198,000 | 7,868,000 | 11,408,000 | 14,684,000 |
| Net interest income | 4,651,000 | 9,726,000 | 14,704,000 | 19,707,000 |
| Noninterest income | 1,170,000 | 2,278,000 | 3,393,000 | 4,473,000 |
| Noninterest expense | 4,214,000 | 8,510,000 | 13,117,000 | 17,695,000 |
| Provision for loan losses | 0 | 125,000 | 255,000 | 940,000 |
| Pretax income | 1,608,000 | 3,378,000 | 4,347,000 | 5,135,000 |
| Income tax | 416,000 | 895,000 | 1,093,000 | 1,218,000 |
| Net income | 1,192,000 | 2,483,000 | 3,254,000 | 3,917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,055,000 | 56,681,000 | 56,739,000 | 56,807,000 |
| Total capital | 60,436,000 | 60,871,000 | 60,945,000 | 61,552,000 |
| Risk-weighted assets | 416,053,000 | 432,776,000 | 442,061,000 | 453,920,000 |
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