Call reports 2003
FIDELITY BANK — 2003
What FIDELITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 106,129,000 | 104,416,000 | 109,130,000 | 116,605,000 |
| Total loans | 80,462,000 | 86,797,000 | 91,639,000 | 93,471,000 |
| Allowance for loan losses | 1,272,000 | 1,210,000 | 1,373,000 | 1,617,000 |
| Securities available for sale | 1,660,000 | 1,611,000 | 1,454,000 | 1,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,391,000 | 89,358,000 | 92,398,000 | 100,277,000 |
| Interest-bearing deposits | 77,853,000 | 75,595,000 | 78,472,000 | 83,583,000 |
| Noninterest-bearing deposits | 11,538,000 | 13,763,000 | 13,926,000 | 16,694,000 |
| Equity capital | 11,830,000 | 10,900,000 | 11,161,000 | 11,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,974,000 | 4,108,000 | 6,359,000 | 8,610,000 |
| Interest expense | 572,000 | 1,182,000 | 1,799,000 | 2,395,000 |
| Net interest income | 1,402,000 | 2,926,000 | 4,560,000 | 6,215,000 |
| Noninterest income | 369,000 | 807,000 | 1,405,000 | 2,157,000 |
| Noninterest expense | 1,505,000 | 3,154,000 | 4,858,000 | 7,198,000 |
| Provision for loan losses | 73,000 | 150,000 | 289,000 | 620,000 |
| Pretax income | 193,000 | 429,000 | 818,000 | 554,000 |
| Income tax | 67,000 | 155,000 | 279,000 | 160,000 |
| Net income | 126,000 | 274,000 | 539,000 | 394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,628,000 | 9,656,000 | 9,921,000 | 9,729,000 |
| Total capital | 11,843,000 | 10,858,000 | 11,206,000 | 11,064,000 |
| Risk-weighted assets | 97,145,000 | 96,188,000 | 102,712,000 | 106,522,000 |
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