Call reports 2005
FIDELITY BANK — 2005
What FIDELITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 126,783,000 | 133,576,000 | 144,874,000 | 145,634,000 |
| Total loans | 101,392,000 | 105,453,000 | 116,769,000 | 111,691,000 |
| Allowance for loan losses | 2,468,000 | 2,494,000 | 2,229,000 | 1,799,000 |
| Securities available for sale | 3,011,000 | 2,986,000 | 2,935,000 | 2,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,987,000 | 108,905,000 | 119,793,000 | 123,370,000 |
| Interest-bearing deposits | 89,280,000 | 95,093,000 | 99,134,000 | 106,038,000 |
| Noninterest-bearing deposits | 12,707,000 | 13,812,000 | 20,659,000 | 17,332,000 |
| Equity capital | 12,667,000 | 12,974,000 | 13,352,000 | 13,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,337,000 | 4,828,000 | 7,603,000 | 10,595,000 |
| Interest expense | 653,000 | 1,386,000 | 2,209,000 | 3,194,000 |
| Net interest income | 1,684,000 | 3,442,000 | 5,394,000 | 7,401,000 |
| Noninterest income | 288,000 | 568,000 | 864,000 | 1,229,000 |
| Noninterest expense | 1,465,000 | 2,986,000 | 4,504,000 | 6,416,000 |
| Provision for loan losses | 95,000 | 151,000 | 296,000 | 366,000 |
| Pretax income | 412,000 | 873,000 | 1,458,000 | 1,848,000 |
| Income tax | 131,000 | 297,000 | 496,000 | 635,000 |
| Net income | 281,000 | 576,000 | 962,000 | 1,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,536,000 | 11,834,000 | 12,224,000 | 12,488,000 |
| Total capital | 12,928,000 | 13,282,000 | 13,816,000 | 14,028,000 |
| Risk-weighted assets | 110,433,000 | 114,831,000 | 126,709,000 | 122,904,000 |
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