Call reports 2004
FIDELITY BANK — 2004
What FIDELITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 54,195,000 | 54,013,000 | 55,098,000 | 54,556,000 |
| Total loans | 37,864,000 | 39,345,000 | 39,684,000 | 41,926,000 |
| Allowance for loan losses | 413,000 | 423,000 | 427,000 | 427,000 |
| Securities available for sale | 9,207,000 | 8,025,000 | 8,242,000 | 7,141,000 |
| Securities held to maturity | 903,000 | 903,000 | 901,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,409,000 | 44,833,000 | 44,172,000 | 46,180,000 |
| Interest-bearing deposits | 41,694,000 | 40,745,000 | 40,573,000 | 41,971,000 |
| Noninterest-bearing deposits | 3,715,000 | 4,088,000 | 3,599,000 | 4,209,000 |
| Equity capital | 7,917,000 | 7,929,000 | 8,255,000 | 7,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 642,000 | 1,295,000 | 2,001,000 | 2,723,000 |
| Interest expense | 196,000 | 384,000 | 580,000 | 796,000 |
| Net interest income | 446,000 | 911,000 | 1,421,000 | 1,927,000 |
| Noninterest income | 53,000 | 116,000 | 164,000 | 203,000 |
| Noninterest expense | 298,000 | 594,000 | 915,000 | 1,272,000 |
| Provision for loan losses | 12,000 | 24,000 | 8,000 | -21,000 |
| Pretax income | 194,000 | 414,000 | 667,000 | 884,000 |
| Income tax | 0 | 7,000 | 11,000 | 14,000 |
| Net income | 194,000 | 407,000 | 656,000 | 870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,682,000 | 4,871,000 | 5,098,000 | 4,819,000 |
| Total capital | 5,095,000 | 5,294,000 | 5,525,000 | 5,246,000 |
| Risk-weighted assets | 37,725,000 | 38,435,000 | 39,076,000 | 40,402,000 |