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 | 55,056,000 | 55,645,000 | 55,754,000 | 57,060,000 |
| Total loans | 29,898,000 | 28,850,000 | 32,896,000 | 35,202,000 |
| Allowance for loan losses | 556,000 | 574,000 | 489,000 | 402,000 |
| Securities available for sale | 13,782,000 | 13,398,000 | 13,672,000 | 11,989,000 |
| Securities held to maturity | 1,904,000 | 1,706,000 | 1,705,000 | 1,704,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,096,000 | 47,492,000 | 47,793,000 | 48,880,000 |
| Interest-bearing deposits | 43,392,000 | 43,196,000 | 43,325,000 | 44,261,000 |
| Noninterest-bearing deposits | 3,704,000 | 4,296,000 | 4,468,000 | 4,619,000 |
| Equity capital | 7,685,000 | 7,779,000 | 7,766,000 | 7,986,000 |
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 | 613,000 | 1,231,000 | 1,844,000 | 2,500,000 |
| Interest expense | 284,000 | 542,000 | 778,000 | 998,000 |
| Net interest income | 329,000 | 689,000 | 1,066,000 | 1,502,000 |
| Noninterest income | 52,000 | 93,000 | 143,000 | 178,000 |
| Noninterest expense | 307,000 | 621,000 | 938,000 | 1,264,000 |
| Provision for loan losses | 12,000 | 44,000 | 52,000 | -36,000 |
| Pretax income | 62,000 | 122,000 | 224,000 | 458,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 62,000 | 122,000 | 224,000 | 458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,379,000 | 4,446,000 | 4,554,000 | 4,795,000 |
| Total capital | 4,787,000 | 4,847,000 | 4,993,000 | 5,197,000 |
| Risk-weighted assets | 32,367,000 | 31,763,000 | 35,075,000 | 36,893,000 |