Call reports 2008
FIDELITY BANK & TRUST — 2008
What FIDELITY BANK & TRUST 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 | 254,322,000 | 260,583,000 | 256,997,000 | 315,808,000 |
| Total loans | 222,028,000 | 228,217,000 | 226,772,000 | 276,814,000 |
| Allowance for loan losses | 1,585,000 | 1,558,000 | 1,370,000 | 2,338,000 |
| Securities available for sale | 12,923,000 | 14,806,000 | 13,102,000 | 14,106,000 |
| Securities held to maturity | 1,017,000 | 1,017,000 | 1,012,000 | 1,012,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,530,000 | 209,325,000 | 204,178,000 | 247,857,000 |
| Interest-bearing deposits | 186,790,000 | 189,274,000 | 182,262,000 | 223,608,000 |
| Noninterest-bearing deposits | 18,740,000 | 20,051,000 | 21,916,000 | 24,249,000 |
| Equity capital | 26,753,000 | 27,256,000 | 27,640,000 | 35,601,000 |
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 | 4,142,000 | 8,154,000 | 12,086,000 | 19,096,000 |
| Interest expense | 1,828,000 | 3,534,000 | 5,164,000 | 8,036,000 |
| Net interest income | 2,314,000 | 4,620,000 | 6,922,000 | 11,060,000 |
| Noninterest income | 232,000 | 460,000 | 576,000 | 998,000 |
| Noninterest expense | 1,323,000 | 2,614,000 | 4,007,000 | 6,670,000 |
| Provision for loan losses | 0 | 0 | 0 | 975,000 |
| Pretax income | 1,223,000 | 2,466,000 | 3,491,000 | 4,413,000 |
| Income tax | 437,000 | 876,000 | 1,237,000 | 1,541,000 |
| Net income | 786,000 | 1,590,000 | 2,254,000 | 2,872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,601,000 | 22,174,000 | 22,607,000 | 26,771,000 |
| Total capital | 23,186,000 | 23,732,000 | 23,977,000 | 29,109,000 |
| Risk-weighted assets | 208,824,000 | 215,292,000 | 213,258,000 | 262,994,000 |