Call reports 2003
FIDELITY BANK & TRUST — 2003
What FIDELITY BANK & TRUST 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 | 87,871,000 | 88,377,000 | 87,851,000 | 89,561,000 |
| Total loans | 71,226,000 | 71,399,000 | 72,406,000 | 70,503,000 |
| Allowance for loan losses | 474,000 | 483,000 | 485,000 | 486,000 |
| Securities available for sale | 8,065,000 | 5,534,000 | 3,526,000 | 9,024,000 |
| Securities held to maturity | 280,000 | 1,245,000 | 1,785,000 | 1,895,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,274,000 | 69,613,000 | 70,411,000 | 73,354,000 |
| Interest-bearing deposits | 62,172,000 | 62,620,000 | 63,450,000 | 65,853,000 |
| Noninterest-bearing deposits | 7,102,000 | 6,993,000 | 6,961,000 | 7,501,000 |
| Equity capital | 6,766,000 | 6,701,000 | 6,763,000 | 6,813,000 |
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 | 1,347,000 | 2,660,000 | 3,975,000 | 5,241,000 |
| Interest expense | 545,000 | 1,066,000 | 1,575,000 | 2,058,000 |
| Net interest income | 802,000 | 1,594,000 | 2,400,000 | 3,183,000 |
| Noninterest income | 44,000 | 87,000 | 140,000 | 220,000 |
| Noninterest expense | 472,000 | 994,000 | 1,515,000 | 2,076,000 |
| Provision for loan losses | 0 | 8,000 | 8,000 | 8,000 |
| Pretax income | 374,000 | 679,000 | 1,017,000 | 1,319,000 |
| Income tax | 132,000 | 239,000 | 357,000 | 461,000 |
| Net income | 242,000 | 440,000 | 660,000 | 858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,733,000 | 6,682,000 | 6,752,000 | 6,799,000 |
| Total capital | 7,207,000 | 7,165,000 | 7,237,000 | 7,285,000 |
| Risk-weighted assets | 69,961,000 | 71,870,000 | 71,204,000 | 69,558,000 |