Call reports 2003
FIDELITY BANK, THE — 2003
What FIDELITY BANK, THE 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 | 1,011,388,000 | 1,138,654,000 | 1,130,318,000 | 1,127,440,000 |
| Total loans | 718,957,000 | 743,223,000 | 741,625,000 | 748,273,000 |
| Allowance for loan losses | 11,911,000 | 12,346,000 | 12,539,000 | 12,818,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 119,845,000 | 159,797,000 | 204,823,000 | 165,359,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 876,528,000 | 998,166,000 | 988,233,000 | 983,187,000 |
| Interest-bearing deposits | 710,431,000 | 805,650,000 | 801,576,000 | 794,832,000 |
| Noninterest-bearing deposits | 166,097,000 | 192,516,000 | 186,657,000 | 188,355,000 |
| Equity capital | 104,291,000 | 106,013,000 | 107,465,000 | 108,942,000 |
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 | 12,675,000 | 25,172,000 | 37,727,000 | 50,343,000 |
| Interest expense | 3,428,000 | 6,558,000 | 9,536,000 | 12,321,000 |
| Net interest income | 9,247,000 | 18,614,000 | 28,191,000 | 38,022,000 |
| Noninterest income | 2,629,000 | 5,489,000 | 8,386,000 | 11,077,000 |
| Noninterest expense | 7,914,000 | 15,816,000 | 24,382,000 | 32,941,000 |
| Provision for loan losses | 200,000 | 588,000 | 995,000 | 1,415,000 |
| Pretax income | 3,762,000 | 7,699,000 | 11,200,000 | 14,743,000 |
| Income tax | 1,360,000 | 2,856,000 | 4,187,000 | 5,534,000 |
| Net income | 2,402,000 | 4,843,000 | 7,013,000 | 9,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,365,000 | 81,574,000 | 83,270,000 | 84,936,000 |
| Total capital | 96,433,000 | 91,260,000 | 92,805,000 | 94,694,000 |
| Risk-weighted assets | 722,617,000 | 772,191,000 | 759,803,000 | 777,611,000 |