-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, UnPNEv8FiSkbbFxaImdcFaubAT1oHa418bcpQryb4PAV2TQ9i9xSWDo0qYRSOe8p WrFZi62i24ubhgjFDcH6NQ== 0000926274-98-000276.txt : 19980929 0000926274-98-000276.hdr.sgml : 19980929 ACCESSION NUMBER: 0000926274-98-000276 CONFORMED SUBMISSION TYPE: NT 10-K PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 19980630 FILED AS OF DATE: 19980928 SROS: NASD FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIDELITY FEDERAL BANCORP CENTRAL INDEX KEY: 0000910492 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 351894432 STATE OF INCORPORATION: IN FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: NT 10-K SEC ACT: SEC FILE NUMBER: 000-22880 FILM NUMBER: 98716093 BUSINESS ADDRESS: STREET 1: 700 S GREEN RIVER ROAD STREET 2: SUITE 2000 CITY: EVANSVILLE STATE: IN ZIP: 47715 BUSINESS PHONE: 8124240921 MAIL ADDRESS: STREET 1: 18 NW FOURTH ST STREET 2: PO BOX 1347 CITY: EVANSVILLE STATE: IN ZIP: 47706-1347 NT 10-K 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SEC File Number - 0-22880 --------------------------- FORM 12b-25 NOTIFICATION OF LATE FILING (X) Form 10-K ( ) Form 20-F ( ) Form 11-K ( ) Form 10-Q ( ) Form N-SAR For Period Ended: June 30, 1998 ( ) Transition Report on Form 10-K ( ) Transition Report on Form 20-F ( ) Transition Report on Form 11-K ( ) Transition Report on Form 10-Q ( ) Transition Report on Form N-SAR For the Transition Period Ended: ____________________ READ ATTACHED INSTRUCTION SHEET BEFORE PREPARING FORM. PLEASE PRINT OR TYPE Nothing in the form shall be construed to imply that the Commission has verified any information contained herein. If the notification relates to a portion of the filing checked above, identify the Item(s) to which the notification relates: PART I - REGISTRANT INFORMATION FIDELITY FEDERAL BANCORP ------------------------------------------------------------- Full Name of Registrant ------------------------------------------------------------- Former Name if Applicable 700 S. GREEN RIVER ROAD, SUITE 2000 ------------------------------------------------------------- Address of Principal Executive Office (Street and Number) EVANSVILLE, INDIANA 47715 ------------------------------------------------------------- City, State and Zip Code PART II - RULES 12b-25(b) and (c) If the subject report could not be filed without unreasonable effort or expense and the registrant seeks relief pursuant to Rule 12b-25(b), the following should be completed. (Check appropriate box) (X) (a) The reasons described in reasonable detail in Part III of this form could not be eliminated without unreasonable effort or expense: (X) (b) The subject annual report, semi-annual report, transition report on Form 10-K, Form 20-F, 11-K, Form N-SAR, or portion thereof, will be filed on or before the fifteenth calendar day following the prescribed due date; or the subject quarterly report of transition report on Form 10-Q, or portion thereof will be filed on or before the fifth calendar day following the prescribed due date; and (X) (c) The accountant's statement or other exhibit required by Rule 12b-25(c) has been attached if applicable 2 PART III - NARRATIVE State below in reasonable detail the reasons why the Form 10-K, 11-K, 10-Q, N-SAR, or the transition report or portion thereof, could not be filed within the prescribed time period. (Attach Extra Sheets if Needed) FIDELITY FEDERAL BANCORP EXHIBIT TO SECURITIES AND EXCHANGE COMMISSION FORM 12b-25 "NOTIFICATION OF LATE FILING" FORM 10K FOR YEAR ENDED JUNE 30, 1998 During the fourth quarter of Fidelity Federal Bancorp's (the "Registrant") fiscal year, the Registrant's primary regulator, the Office of Thrift Supervision ("OTS"), performed an examination of the Registrant and it's banking subsidiary, United Fidelity Bank fsb. The examination resulted in a change in the methodology used by the Registrant to compute the allowance for loan losses and to establish reserves for letters of credit. The change in the method of computing these accounting estimates resulted in the amendment of the Registrant's third quarter Form 10Q to record an additional provision for loan losses of $1.4 million, and an increase in non-interest expense of $8.7 million. The increase in non-interest expense consisted primarily of an addition to the letter of credit valuation allowance of $6.8 million. The timing associated with the completion of the OTS examination did not allow management adequate time to conclude on and record these adjustments and therefore did not allow us, the independent auditors of the Registrant, to complete the audit of the June 30, 1998 financial statements without unreasonable effort or expense. Olive LLP Evansville, Indiana September 28, 1998 PART IV - OTHER INFORMATION (1) Name and telephone number of person to contact in regard to this notification Donald R. Neel 812 429-0550 ext 301 --------------------------------------------------------------------------- (Name) (Area code) (Telephone Number) (2) Have all other periodic reports required under Section 13 or 15(d) of the Securities Exchange Act of 1934 or Section 30 of the Investment Company Act of 1940 during the preceding 12 months (or for such shorter) period that the registrant was required to file such report(s) been filed? If answer is no, identify report(s). (X) Yes ( ) No (3) Is it anticipated that any significant change in results of operations from the corresponding period for the last fiscal year will be reflected by the earnings statements to be included in the subject report or portion thereof? ( ) Yes (X) No If so, attach an explanation of the anticipated change, both narratively and quantitatively, and, if appropriate, state the reasons why a reasonable estimate of the results cannot be made: 3 FIDELITY FEDERAL BANCORP -------------------------------------------- (Name of Registrant as Specified in Charter) has caused this notification to be signed on its behalf by the undersigned hereunto duly authorized. DATE: September 28, 1998 BY: /s/ DONALD R. NEEL ------------------ ------------------------------------- Donald R. Neel Executive Vice President, CFO and Treasurer (Principal Financial Officer) -----END PRIVACY-ENHANCED MESSAGE-----