Call reports 2004
FIDELITY BANK, THE — 2004
What FIDELITY BANK, THE 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 | 1,128,258,000 | 1,131,136,000 | 1,144,047,000 | 1,155,628,000 |
| Total loans | 760,594,000 | 771,541,000 | 775,692,000 | 777,295,000 |
| Allowance for loan losses | 12,785,000 | 12,650,000 | 12,794,000 | 12,696,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 170,087,000 | 195,219,000 | 210,079,000 | 204,434,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 987,637,000 | 991,149,000 | 996,884,000 | 1,005,113,000 |
| Interest-bearing deposits | 789,761,000 | 785,164,000 | 788,643,000 | 798,976,000 |
| Noninterest-bearing deposits | 197,876,000 | 205,985,000 | 208,242,000 | 206,137,000 |
| Equity capital | 110,451,000 | 111,950,000 | 113,549,000 | 115,606,000 |
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 | 12,384,000 | 24,945,000 | 37,934,000 | 51,610,000 |
| Interest expense | 2,611,000 | 5,134,000 | 7,922,000 | 11,057,000 |
| Net interest income | 9,773,000 | 19,811,000 | 30,012,000 | 40,553,000 |
| Noninterest income | 2,462,000 | 5,094,000 | 7,756,000 | 10,303,000 |
| Noninterest expense | 8,600,000 | 17,555,000 | 26,242,000 | 34,861,000 |
| Provision for loan losses | 132,000 | 320,000 | 800,000 | 800,000 |
| Pretax income | 3,503,000 | 7,030,000 | 10,726,000 | 15,195,000 |
| Income tax | 1,290,000 | 2,599,000 | 3,977,000 | 5,644,000 |
| Net income | 2,213,000 | 4,431,000 | 6,749,000 | 9,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,634,000 | 88,322,000 | 90,098,000 | 92,332,000 |
| Total capital | 96,562,000 | 98,271,000 | 100,076,000 | 102,432,000 |
| Risk-weighted assets | 791,419,000 | 793,238,000 | 795,455,000 | 805,382,000 |